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Net Spend Deceptive and Fraudulent Practices
Posted by on
Rating: 1/51
AUSTIN, TEXAS -- Good Morning My name is Aaron Christopher Marshall Sr. and I am a Connecticut native residing in Huntsville Alabama. I hope my email reaches the recipient and their interests in the riches of good health and happiness. My reason for this correspondence is to make an attempt to alert consumers during the holiday season about a company that does not stand by their product and has internal issues as it relates to security and safety of your personal funds and or money. I have become a victim and want to empower others before the get duped like my wife and I have. On October 27th and 28th I purchased two pre paid Net Spend load packs from Walgreens' in Huntsville Alabama. What my wife and I did not know prior to paying 307.80 for both cards was the fact that we had to request a debit card from Net Spend to load the funds on to. Once I paid the 307.80 I had to wait a few days for the debit card to arrive to my place of residence. I received the Net Spend debit card on Thursday October 30th, 2014 and proceeded to call the Net Spend number listed to load the 300.00 onto my debit card. The 7.80 were fees for the purchase of both cards. What would happen next would truly and literally blind side my wife and I. Both cards were already loaded onto another Net Spend account without our authorization. Net Spend has chose to implicate the customer in having to do something with the theft of these cards. What I have gathered from this incident is. Whoever has stole this money has to be an internal employee of Net Spend. An employee within the Mid Level or higher management team who can oversee any and all inquiries of issues of this magnitude and nature. I have spoke to an employee of Net Spend named "Billy ". Mr. has informed me my money has been loaded onto another Net Spend account and there is nothing he can do concerning this theft of my funds. I was informed to contact the Huntsville Police Department concerning theft of funds with an online banking company. The person who can steal this funds would have the capacity to control all avenues and areas of the investigation process without being considered a suspect in the theft of funds of their customers. I have filed several complaints and have contacted businesses who partner with Net Spend to inform them of what has happened to my money and the stand the company has not chose to take. I have emailed several departments within the Net Spend umbrella and one employee continues to be the only person I can speak to and make contact with. Mr. has more or less informed me my money has been stolen and has been applied to another account within the Net Spend accounts. My question was why can't you suspend the account the money was loaded on and proceed to inquire to the person owning the account how did he come into possession of another customer's money and or funds. When one person is privy to all avenues of the investigation process of funds stolen one would have to make an informed decision to believe the person stealing the money can very well be the same person managing all avenues of the investigation process. I was told know matter who I contact within Net Spend all communications will be reviewed on his desk. I am urging all who will listen to inform consumers of this practice before they experience what my wife and I have experienced. My wife and I were traveling to Connecticut to see our oldest son and spend time with family. This has been very stressful on my beautiful wife and I. We do not have 300.00 just to blow in the wind. I am saddened the company would take the standpoint and implicate me. Please ensure all of your consumers are aware of this companies practices. There is no constructive way for this money to have been stolen other than a Net Spend internal mechanism having the ability to cipher the funds without the customer's authorization and or approval. Net Spend is a subsidiary of TSYS of Columbus Georgia. I have contacted the offices of Mr. M. and his subordinates concerning this very deceptive scheme taking place within the scope of his Net Spend Company. I have filed a complaint with FBI Internet Crimes Complaint Center, The Texas Watch Consumer Outlet, The Texas and Alabama Attorney General and still working on other avenues to uncover this very deliberate and organized scheme against consumers of Net Spend and or their business partners. Thank you for any and all consideration to inform customers prior to purchasing this pre-paid load pack. Please do not allow your consumers to experience what I have been dealing with since the 30th of October. I cannot sleep, eat or think straight knowing somebody can simply take your money and there is no cause and or action you can take to recover your funds.


Aaron C Marshall Sr.

4102 D South Memorial Pkwy

Huntsville Alabama 35802

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Net Spend Defrauded Customer
Posted by on
Rating: 1/51
AUSTIN, TEXAS -- I had paid my wife's insurance premium using my NetSpend card.
My wife had an accident and totaled the vehicle. We canceled our insurance policy and they refunded our policy payments retroactively to the date of the accident. The insurance company sent 2 refunds to the card they had on record (NetSpend). One on Thursday and another on Friday. A day later my account was frozen without notice or explanation.

When I called customer service (and I use that title very loosely because they're third world country customer service representatives are barely understandable) they told me that my account was frozen due to fraud activity. Insinuating that I had committed some type of fraud.
They also told me that I can have my insurance company take the money back and send me a check. This would release my other funds I have available on the card. So, I called my insurance company and they told me there is no way to cancel a refund once it has gone through and accepted. They also told me that the card company can reverse the transaction on their end. But NetSpend reps claimed they are not able to do that, which is a blatant lie.
I have a merchant account and I know first hand that transactions can be reversed by the bank or the merchant.

The representative asked that I send them proof of the transaction. I immediately complied and sent them documentation from the insurance company. This was on Saturday afternoon. They told me once they receive the documents it may take up to 8 hours to unfreeze my account and release my money.

I printed out the documentation from my insurance company. I faxed the paperwork over to the number they provided me with. I received confirmation that the documents were received. In addition, I also emailed the same documents to the email address they provided me with. All emails were confirmed received.

There was never any response from them that night. I called on Sunday and asked for a Supervisor. The phone representative avoided getting a supervisor by stalling and putting me on hold for 15 minutes. They did the same on Monday, Tuesday, and Wednesday. I have been placed on hold several times, for upwards of 40 minutes each time. I have document these phone calls for future reference. The company's customer service tactics are proof that this is a criminal organization who intentionally refuses to help their customers and attempts to defraud them of their money.
Unfortunately, I have given up after spending so much time trying to rectify this matter and have gotten nowhere with these people.

I now believe the money has been stolen and I am forced to take legal action against NetSpend and Meta Bank.
In addition, I will be filing a criminal complaint with the New York State Attorney Generals office as well as the Office of the Comptroller of Currency.
After reading about so many customers who have been robbed by this company I have come to the conclusion that the defrauded customers should file a class action lawsuit against these criminals.
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Obsfucation on 01/20/2014:
Question: why would anyone want to deal with an outfit like Netspend? This seems like a prime example of a reason not to.
If you had your account at your local credit union, you'd have been able to walk in and sit down with someone who could have fixed it on the spot. I just can't understand why anyone would pay Netspend and have results like this.
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Netspend Worst Idea Ever!
Posted by on
Rating: 1/51
MILWAUKEE, WISCONSIN -- Trying to get a bill paid due to bank account not being in order. I purchase the Pay Pal debit card. I put 50 bucks on it to cover the bill. I call to activate the card and I get asked maybe about a 4 to 5 times my address and SS.

Finally I get a customer service agent who lets me know that I need verification credentials in order to activate. OK.. not so bad, but after faxing in some info.

I called back to check for activation as I had sent everything they needed to verify me. I got in touch with an agent after the same vetting process that I received earlier. The Agent states that they were unable to see my SS card due to the fax (which was fax from my workplace so I know that it shouldn't have been horrible quality) So I sent two more faxes with a brighter resolution just in case so there would be no issue. I wait their 8 business hrs and call back to check and the agent tells me this time (after the same crappy vetting process) that there is problem due to the difference in my current address and my old address on my DL and I will need mail to verify my current address. So I faxed mail, a bill from AT&T that has my address and name on it. Called back after another wonderful 8 business hrs only to find that the mail wasn't good enough and I needed an actual bill, which it was. Hold on it gets better folks, after re sending via fax numerous times I give them the weekend to square this. I call them and this time they are not receiving my faxes now. I sent these documents over 10 times and they can't locate the info. All I want to do is pay a bill. They have all my current info but they still can't activate my card meanwhile I got 50 bucks I can't spend and my Internet account is about to go up due to lateness. So I'm heated of course and decide to talk to MGR, on hold for about a half hr I reach a supervisor who tells me that whatever dept hasn't sent up my information and that in order to be able to use the card to pay a bill online I still need those credentials authorized. This is after at least 4 to 5 calls to Netspend, two to three people asking me my address and social three different times and on each call.

So with that I was fed up I want my money back Rosie I think her name informed me that it will take twenty business days in order to get my money back, which I heard prior while snapping on an agent on the phone about them not getting my info after at least 24 business hours. This is actually the second time I have talked to "Rosie" who has no Idea what is happening or why my info has not been processed.

So I'm fed up of course since now my bill has defaulted and I have the money that I was to use stuck at Netspend. I chose to not use the card, they wanted me to just activated for store use early on but I refused. So I asked for money back regardless of the twenty day wait (which just seems ridiculous).

So I took down "Rosie's" Info and tried to get her managers info which she refused.I wanted some type of confirmation that I would get my money back and she had none just the ref number they gave me for the initial fax that they could never recover. SO now it's about two and a half weeks past the twenty days and I give them a call. I get Ann who states that someone never deposited the check that needed to be sent. Of course she is so sorry, not sorry enough to expedite my money because another twenty days needs to go by before I get my the money. So I give in, just activate the card so I can use the money on something. I'm sure that works for them because they get a nice 5% of it. Something tells me that this was the plan all along.

So, way too much hassle just to pay a bill. I wouldn't recommend to an enemy or maybe I would. I would def stay away from Netspend and all its associates.
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My Experience With Netspend
Posted by on
Rating: 5/51
LOS ANGELES, CALIFORNIA -- OK just wanted to say a couple things. First of all Netspend card is a prepaid Credit card. It has the added features of a checking account so that you may setup direct deposit if you like. But it is still just a prepaid card. There are fees associated with the use of a prepaid credit card... reloading, use, ATM access, etc. Think of it like this obviously people like me or you who have a Netspend card most likely have credit and/or money problems otherwise you would not need to have a prepaid Card. So I am truly sorry to anyone who has had a bad experience with them but it is your own responsibility to keep track of your spending.

My advice is to keep track of your balance and account for any active cards. Netspend and Metabank are legitimate companies and I really doubt their employees are going around spending their customers money. Me personally had a horrible experience with BofA when I opened up a checking account just for direct deposit... apparently every thing went through just fine and my direct deposit was processed. On the day before pay day I went to check status of my account. Turns out my account was flagged as high risk and they closed it without my knowledge.

When I called them they told me they would mail me a cashier's check for the balance. Now the big problem was my boss has already submitted Payroll and the money was already deducted from her account. Bank of America and Inuit payroll stated that it could be up to two weeks before the money would credit back to my bosses account. I had a Netspend account that I didn't use very much so since I needed the money desperately my boss setup direct deposit with my Netspend account. I was skeptical at first but didn't have much choice as I needed the money ASAP and my work only paid through direct deposit. Unbelievable but the day my boss submitted my payroll... that night exactly at midnight my funds posted and were immediately available.

So more than a year later my credit has greatly improved but I still prefer my Netspend card over a regular bank. Thank you Netspend for helping me out of my jam. You made a loyal customer out of me. My only complaint would be the ATM fees but I guess that is to be expected :-D
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a on 07/05/2013:
I've heard of people getting card hacked, acct blocked and cards stolen.....and more for no reason.........that itself scares me to ever get this card!!!
jmyers24369 on 07/06/2013:
Yea. .. I read some of the stories. I decided to share my experience because I've had a good run with them. It is unfortunate for those people but I think since it is a prepaid card you cannot expect the same level of security as a standard bank account or credit card. .. I just treat it like a gift card but like I said... they have sent me several replacement in the time I've been a customer and they are fairly easy to activate and use. . You just need to keep track of all active cards maybe change your pin occasionally and you should be OK. ...
mybeloved on 07/25/2013:
I sort of believe that Netspend is not the sole problem of these incidents. I just think it's terrible that Netspend don't have a more secure system to stop so many replacement cards. Like one victim said it was 57 cards under one false identity transferring stolen money from victims Netspend cards to this anonymous criminal cards. It is so many Netspend websites that's offering these cards that I believe are criminals. I also believe customer service reps are stealing and rearranging customers accts.And to add to that who were what and how these ppl cards are blocked before they can use it? I thought it's blocked when there is suspicion, but these ppl cards blocking them out while their cash is spent as they speak talking to Netspend. So you are very lucky but if I was you I would leave before they discover your comfort.
AR on 08/02/2013:
I have had a Netspend card for 5 years now. I originally opened it for online purchases. My career is in the Information Security field so I error on the side of caution when it comes to identity theft and didn't want to use my traditional bank card/account where I didn't have control over it. I haven't had any trouble with Netspend during the time I have had a card. I have been direct depositing more and more money into my account as the years have gone on. I have had one dispute where I used it at an ATM and it didn't dispense the money. I filed a claim with Netspend and it did take a while (I think 10 days for provisional credit while they investigated), but it was handled professionally and the communication and responsiveness through their online portal was excellent. If I were to leave a traditional bank I wouldn't hesitate to use Netspend for all of my banking needs.
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Who's Interested in a Class Action Lawsuit?
Posted by on
Rating: 1/51
AUSTIN, KANSAS -- We did our taxes and had our money sent through Netspend. huge mistake. I advise no one use this. they will lie to you, and are extremely rude. I've had enough. attorney time.
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madconsumer on 02/07/2013:
what are the issues you experienced?
Whiteduck on 02/07/2013:
And why do so many people want to start up class action lawsuits? No one wins with those except the lawyers. It'll take 5 years, then you'll get a check for $.37 while the lawyers retire on the millions they made.
mark on 02/08/2013:
they have falsley added funds to an account which was not verified to collect interest, and have "lost" 3 forms of identification. on top of lie after lie about when the card would be activated. 50 different people with 50 different stories. that's fraud, neglegence, and identity theft.
brittany.neill24 on 02/08/2013:
I'm in!
CAUbound on 02/13/2013:
I personally just filed my taxes with Turbo Tax and used the third party ,NetSpend to allocate the funds. I am currently waiting for the arrival of my card with my tax refund loaded . In the event I don't receive my card or any issues surface with NetSpend . I'm in for the class action lawsuit
Trenton,NJ on 02/13/2013:
I am moving forward with a class action suit threw the IRS against them starting Tuesday. I work for a law firm and it is rather easy to do the paperwork yourself. you need a 14157-A form and 14157 form threw the IRS
steamed Anon... on 02/16/2013:
I tried to activate my card on a Monday 2/15/13 and was informed ny acct was blocked. I faxed all documents at 10 pm that night....I called the next day , still blocked, 36 hrs in I called again and was told it was still blocked because they don't have my docs ..I demanded ti speak to a manager and did...he said I needed to resend my documents and it would take another 24_48 hrs to unblock, he gave me an email address to send to.. did on Wednesday at 8:14 pm...I called the next day and was told it woulit
steamed anon on 02/16/2013:
(Continued) I was told the block would be removed that day....its still blocked on Friday I'm a single mom of 3 and need access to these funds ASAP...Tax refund ....I told the manager last night that I wanted to cancle the card and them to send my money back to the irs for a paper check....I got disconected :-)
fed up on 02/18/2013:
I did my taxes with turbo tax and got the Netspend card I never received my card and never activated it they told me it had not been ativated but yet someone transferred 1500.00 off of itits now been 3 weeks and I haven't got my money they are a scam and count me in..... I've called everyone I know to call I mean the irs send my money and they have someone steal it or so they say
Brandon on 02/25/2013:
I'm down for a class action all the way!
NetSpend on 02/26/2013:
We apologize for the problems you have experienced. We can assure you that customer service and account security our very important to us.

Please send your information to and we will be happy to assist you with this.

Thank you,

loyalty on 03/03/2013:
I wish I would have used my bank for my tax refund I used the card as credit on a purchase of 294 and was charged 46 dollars in fees no bank that I know charge outrageous prices. My insight card was better than this scam of a card oh well lesson learned I would never put money on this card not even my tax return.
stacey on 03/13/2013:
I'm in made a purchase an canceled my order three weeks ago. The vendor (Best Buy) relinquished the hold on my funds rhe day after the order was canceled. Net spend will not give my money back.. spent hours on the phone begging to talk to somebody who speeks English. I am not going to loose my 755.00 dollars!
Tawana on 03/21/2013:
I am so in for a lawsuit against Netspend. They are robbing me blind!!! $5.00 fee for this. $1.00 fee for that. A limit to how much of MY money I can take off MY card. I can withdraw a certain amount per day and an additional fee every time I use the ATM. Worst card ever!!!
Would gladley on 03/26/2013:
Would gladley enter into a lawsuit with them. refuse to lift my"fraud protection" block on my card no matter what I send them. I send what they ask. They reply insufficient every time. They are complete scam artists.
david brown on 03/30/2013:
Taxed loaded over a week now, still no card over 20 days waiting tired of lies, I'm down for lawsuite..let lawyer get rich,as long as Netspend is punished
MuQuiter Burke on 04/12/2013:
Did you hear they are being bought out by a company called TSS or Georgia-based Total System Services Inc. (NYSE: TSS).

I am switching my stuff as soon as I possibly can to my Wells Fargo account. I'll just have to wait 2 days to get paid.
Amanda on 04/15/2013:
My money is lost I'm pissed mine as well talk to a robot then them... I want in email me
Jamie on 04/22/2013:
I'm so in with lawsuit! I'm calling Better Business Bureau on them as I'm typing.! They are scammers! Email
R.H. on 04/30/2013:
They advertise you can get your money five days early. That's just a lie in the commercial just to get people sign up for their card. Then they tell you the check wasn't mailed out yet. But even a 10 year old knows that from the IRS to Social Security sends all checks out on computer disks for direct deposits the no longer send paper checks. I agree everybody who has dealt with Netspend should file a class action suit and close their Netspend accounts down.
Amanda E on 05/01/2013:
My story is almost the same as everyone else, but My check is currently lost, SCAMMERS AND LIERS!!!!!!!!! I am in for lawsuit,Email,
Melissa D on 05/20/2013:
I accidentally made a purchase through Amazon I cancelled it within 4-5 hrs the vender and Amazon are at their wits end also Netspend will not remoive the pending transaction hold its been 16 days $289 isn't nuch to some but a single female in disability and in a wheelchair its over. 1/3 of my mthly income I've sent all the information thet have asked for and I've had Amazon also send it... I don't know what to do I'm about to loose my handicapped apt because of this in my smalk rural area there aren't many wheelchair accessible apts or houses mldavis411@gmail
BEW on 05/29/2013:
I signed up for this card today and then decided to check out the credibility of Netspend. I am shocked at thee amount of theft and fraud these people are getting away with. If you need more fodder for the class-action lawsuit check out this site for 25 pages of complaints against them.

Thank you all for posting this and saving me a huge headache.
Fed up in MN on 06/30/2013:
I would be willing to start up a lawsuit. My issues are too long to go into on this forum. BUT BEWARE! I am currently stranded in Portland due to NETSPEND. Waiting til Monday to call my local bank and get savings transferred so I can get home to MN. Meanwhile, NETSPEND has my money and will not release it. I received horrible customer service reps that kept lying to me, interrupting me when I asked questions, played "dumb" like they lost the call, and were just plain rude and snarky. When asked to speak to a supervisor, I believe I got the exact same man I was speaking to previously! The supervisor was also rude and couldn't care less about my situation. The hotel we were staying at overcharged us by $379 and I will need to wait up to 30 days for a refund even though the hotel sent NETSPEND the indicated paperwork and spoke to NETSPEND on the phone about the over-charges. Yes, I am irritated with the hotel as well, however, they gave us $50 cash and free breakfast due to their error and attempted to solve the problem. NETSPEND did NOTHING!
Angry Former Customer on 06/30/2013:
In Dec. 2012, 10 days before Christmas, a company took an unauthorized payment of $600 from my NETSPEND acct. When I called NETSPEND they claimed there was nothing they could due to retrieve this money because I had done business with this company in the past and had therefore authorized payments. REALLY? Therefore, if you go to Kohl's or Walmart, etc. and use your NETSPEND card for the purchase NETSPEND claims that you have authorized payments in the past, therefore they can take money from your account at any time. WHAT THE HECK? The rude advice I received was to contact the fraudulent company that stole the $600 out of my acct. and ask them to fill out forms and send to NETSPEND. Yep, the company that steals money out of my account will just give it back. What a load of b.s. I believe NETSPEND is in partnership with some of these company's. Take your money off your card and cut the card up!
Fed up in MN on 06/30/2013:
Additionally, I see Netspend claims (above in the comments) that they care and disgruntled customers should write a review on their site. Guess what Netspend? I tried to write a review on your site, spent over an hour composing it only to have your website claim error. I sent another message which simply stated call me and my phone number, I haven't heard from you Netspend. BTW, the number for customer support does not work. I get a connection and then enter my card number and the system claims the acct. number is not valid. I went to and obtained a different phone number that worked. When I reported the issue to the rep. she didn't even seem concerned. I am certain she hears the issue a hundred times a day and realizes any notation she makes about the issue will fall on the deaf ears of management. If any of the above posters have started a class action lawsuit, please give me a website or email to contact. THANKS!
angela castellani on 07/29/2013:
I am in for this lawsuit too I got my sons ssi Friday 7/26/13 but did not get mine and they come same day same time every month, I called social security and they said nothing has changed with them at all they are deposited to same account with Netspend yet Netspend gives me runaround telling me they haven't got it that's lie. been getting them both same time every month together, I got my sons for $494 and did not get my $710 one, the rep even said to me aren't you happy you got one of them, I said jeez no I am not I need that $710 to pay rent and my electric or me and my disabled son we will be evicted and have no electric, social security says they cannot trace it until 1pm eastern time on the 1st and they said that will take 7 days for the trace then another 2 weeks to send me out a replacement check to replace the stolen money that Netspend won't post to my account. I think they are purposely stealing some of our money for themselves and blaiming social security when its not social securities fault at all its Netspend metabanks fault. my email is -
tamika on 07/30/2013:
I'm still on hold after an hour. its so much to write and I'm so upset I'm starting to cry..
Bill on 08/03/2013:
I was given a "PayPal" prepaid Debit Card in June. I did not activate it until August. The original balance was $50. I contacted PayPal and they said it is not a PayPal prepaid debit card. Here is PayPals response:

Thank you for contacting PayPal Debit Card. My name is Ryan, and I understand you have a received a card that was loaded with funds. I can help explain the situation.

The PayPal Debit MasterCard is a card that must be requested directly through the PayPal account and is not a card that is automatically loaded with funds. The card itself works off of the available balance in the PayPal account. The Debit MasterCard is a gray card that starts with the digits 558158.

It sounds like you received the PrePaid MasterCard. The PrePaid card is blue with a white stripe and starts with the digits 5311. Although the PrePaid card does say PayPal on it, it is actually handled by a company called NetSpend. PayPal does not charge any of the fees and all account information related to the card is processed through NetSpend. I do apologize about the confusion and hope the information provided was helpful. If you would like to contact NetSpend, their phone number is 866-753-6440.

It seems that the card was issued by NetSpend.

The card issuer deducted $14.85 from the balance because I did not use the card for over 90 days. The card was purchased in April 2013 and the back of the card says "a monthly maintenance fee of $4.95 applies if the Card Account is inactive for 90 days.

Since I didn't activate the card until August 2nd I believe that the card did not represent an active accoount until it was activated. I called the number referred to above and they would not reimburse me for the charges they made to the account balance.

I feel this is a ripoff. Do not purchase this type of card. If the card was purchased through PayPal thre would be not charges. (See above statement from PayPal).

The number of complaints against NetSpend on Ripoff Reports seems significant. I support a class action lawsuit against NetSpend.
RENEE on 08/09/2013:
Ian on 08/16/2013:
RUN I HAVE AN over ten pages of print screened conf. Saying I got a $20 referral bonus for signing up friends then taken away accusing me of giving the people $40 to activate card.. Or saying they "may" have had an account b4 and aren't eligible. I threatened to go to the ATTORNEY GENERAL and the women frantically tried to tell me it was an IT mistake and I'd hear back in two days.. Yeah right! Then she sled if I would set up my paycheck for direct dep! Lol
angela on 08/23/2013:
I see a lawyer Thursday
Justin on 09/07/2013:
I just checked my account after a $900 deposit. It says $577. There is a bunch of transactions to some dating service in Hong Kong. I tried to call but Netspend's call center is closed. Reported the card stolen to stop further damage. WTF Netspend?
angry as hell on 10/02/2013:
I am getting a lawyer and calling FDIC,. I am outraged,. loaded money on my card and get a message "there is a problem with your acct." no customer service,. just waiting for hours,. I AM GETTING A LAWYER. tjis is a CRIME.
kayzeeone on 10/08/2013:
I want in on the class action lawsuit. To get them shut down, we should all contact FDIC.
Brkhse69 on 11/04/2013:
I'm definitely in support of a class action lawsuit.fraudulent charges appeared on my account.Called customer service 5 times and spoke to 5
different non English speaking reps that told five different versions (lies)...Liars and thieves!!!!!
Sheila Delarge on 11/17/2013:
I had five hundred dollars refund put on my net spend when I called to see if funds are available they sent me to customer service telling me the funds are there just not available to me I asked why they told me the card had not been used in 6 months a block was put on the card when I asked how to remove they said I had to send them the original receipt of purchase I told them the purchase was made with another card but my refund was put on there card anyho I went through a lot spoke to different supervisors and got no where so sick of Netspend I'm all in for a class action lawsuit first thing in the morning I'm headed down to the court house
Doyle Campagnini on 11/25/2013:
I'm down for a class action as well.
"So I've had your card for about a month now, and after sending in all of the required documents I was asked for, I still can't access my money, and am still getting the run around from your company. I've talked to your company almost 10 times now, with no resolution. When I first called after sending everything needed, they told me my account was active, so I went to load my reload pack, and it say it's was inactive. Then I called again and they told me I had to wait until the next day. So after trying again the next day and it not working, I called again and was asked to wait for 48 hours. So I did, only for it to still not be working. Then when I called again, they said that my proof of address wasn't verified and they needed a pay stub for some reason, because the picture of the unopened envelope that I received my last paycheck in, for some reason wasn't good enough for them. After talking to a supervisor he said I would receive a phone call back and that there was an alternative means to activating my card. Two hours later I received a call, I pick up, say "hello," and am immediately hung up on. I tried to call the number back, only to be routed once again, back to customer service. That was three days ago. I called again today, and now I'm waiting again to get a call back. Let's hope they don't hang up on me again. Plus I keep getting charges on a card that isn't activated. I had it for maybe five days before I got my first monthly fee, and this month is almost over, and I still can't get the card activated. I'm greatly considering taking some legal action, because this is really starting to seem like fraud, and my next email will be to the Better Business Bureau. I've had an actual Paypal account for years now, and for some reason can't use it to verify my identity, which I shouldn't need to do in the first place, to use a prepaid card.
Doyle Campagnini
Erica on 12/17/2013:
The suit will not go very far, as this is not a secured financial institution. The only reason I know this, is because I too, was taken advantage of by Netspend. I had the entire net of my direct deposit fraudulently removed from my account, by someone who had duplicated my numbers onto a pre-paid gift card. I called Netspend while the transaction was still pending, and requested that the reverse the transfer, and close the account. Netspend blatantly refused, stating they would have to wait for the transaction to post, and then they would "help" me file a dispute. Well, needless to say, after the dispute was filed, nothing happened. I even had a Police Report, which included video of the perp using my falsified card at the store in which the fraudulent transaction took place. Netspend stated they would have to pursue an independent investigation on their end, which could take up to 90 business days. I'm sure they thought I would have given up, but they were wrong. After 90 days, I was told per Netspend, that based on their findings, there was not a substantial enough amount of evidence to conclude that the transaction was not authorized by myself, being as though the store it took place in was within 100 miles of my home. Netspend also refused to present me with a copy of their "findings". I explained this to my lawyer, and he suggested I contact the Attorney Generals office. Upon doing so, the Attorney General immediately follwed through, and issued a "Demand Payment" to the Netspend corporation, at which time they responded that the funds would be mailed to me no later than 7 business days. I never received a dime. When I followed up again with the Attorney Generals office, I was informed that they could conduct an investigation on my behalf against Netspend, but could not obtain restitution, due to the monies not being managed by a federally recognized, or secured financial institution within our Country. Word to the wise-no one has authority over Netspend, and we are the fools for dealing with a company that has no check or balance. I even called the CEO of the Company, and he couldn't be bothered to even acknowledge the situation at hand. There are lawyers out there who will convince you that they will take this case on, and that they will win, but in the end, Netspend will just sell its proprietary companies off, file bankruptcy, and open under a new name two weeks later.
Blanca on 02/06/2014:
I'm in, to long of a story but just to say I haven't been able to get my money out of the account since the 31 of January. I've been without of money since then. Have to barrow money from family and every time I call the manager doesn't want to speak with me. So I'm in.
Andrea on 02/14/2014:
I have had several issues with Netspend this tax season. My refund deposited onto a card on Feb 6th,and I've been waiting on a card since Jan 21st. They always have the same story or either "undeliverable" and/or 7-10 business days. Now I'm reading once people get their cards, they're blocked for some reason- keep thousands of dollars. There has to be a way to address this. TurboTax is associated, so I feel they should be looking into this as well. I am in for a class action.
latrisha Readus on 02/18/2014:
My card has been blocked since the twelfth. I supplied all documents by fax and email
Still nothing. I have for kids with nowhere to go. I'm in for the lawsuit and I want to sue for the hardship they are causing us.
Hanna on 02/19/2014:
I just updated my Netspend phone app,
now its asking me to update my password. First of all, updating ones password should be up to the account holder, not the bank! Then it asks me to put in my card info and email address. After I do that (which I really didn't want to do over the internet) it tells me the info doesn't match their records!?! WTF? I have had an account with them for 2 years! If my account is blocked I have no way to get to work, food, rent... way to go Netspend screwing the people who make YOU money. wish someone could block your CEO's bank account
Lauren on 02/20/2014:
I first had problems with last years return. After my card was activated and my tax return was direct deposit, it was blocked for fraud prevention the next day. I faxed three forms of ID and a week later was still blocked. When I called Netspend I was told they never received it and to resend with a fourth I did. Two weeks later it was finally unblocked. After that I didn't have any more problems until now. I filed my taxes and didn't have my direct deposit info so just decided to get a new card. Never received my new card. After my tax return was direct deposit on the new card not received, I asked to transfer the money to my current Netspend card. I was told that a money transfer and direct deposit block was placed on my card as of July 18, 2013. I received several direct deposit and transfers after the so called block...never an issue till now. When I asked why I wasn't informed a block was placed on my account they could not give a reason other than it was a security feature!?! I asked why the block was placed to begin with and told the So...they are allowed to put random blocks on my account without even telling me? I am now waiting for this block to be lifted and very mad.
amber on 02/27/2014:
I did my taxes and have not received the Netspend card yet I called and they say my card keeps getting sent back and my post office say it never came. this has been a month they are connected to turbotax I want in on the lawsuit
Stephanie on 02/27/2014:
They have got me for 1,381.76 they are saying pending transaction it's the same one that are charging me two times bank faxed letter still won't give me my money
Crystal on 03/01/2014:
Lawsuit worthy. My story is the same as everyone elses.
Maggie on 03/03/2014:
I thought I was the only one having trouble with Netspend. So anyway my story is about the same as everyone's. I got my card on 1/7/14 and cannot get it activated, or speak to anyone who speaks English. I was going to use the money for my meds but I have been without for two months now. ??
Marcella on 03/14/2014:
We'll I am up for it because my card was stole and they used all the money on my card and it's been three months nobody has said a word I call they say they didn't get any info on it yet!
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StarEmpty StarEmpty StarEmpty StarEmpty Star
Deliberate Dishonest Refusal to Refund Money
Posted by on
Rating: 1/51
LOVELAND, COLORADO -- I initiated an order online which, legitimately, resulted in a hold on those funds until the order was completed. Due to unavailability of the online vendor, the order was cancelled the next day. 14 days after the order was cancelled, the funds were still held in pending transaction status. I emailed the vendor and received a response stating they had notified the card company 3 times that that order had been cancelled and the vendor released the funds. I forwarded the email in a secure message in my online account.

The auto response is that it would take 48 hours. 3 days later, funds are still not released and still no additional response from customer service. I called customer service, they said to forward the email from the vendor verifying the order was cancelled and they would release the funds in 6-8 hours. 24 hours later, funds are not released. I called customer service back and was told that I needed to forward to a different email address, and they were unsure why I was given an incorrect email address, but to forward the verification of cancelled order again to the CORRECT address and funds would be released in 6-8 hours.

Today, 24 hours later, funds still not released. I was told they had no record of any correspondence from me - not the email, not the SECURE MESSAGING - nothing. I was told that if I wanted the funds to be released, I needed to call the vendor and ask them to fax, on their letterhead, a letter stating the order was cancelled! Despite the fact that all banking transactions are electronic and I have the confirmation with a specific name, order#, transaction # and domain name obviously from the vendor, now I have to request the vendor to take the time and expense of writing a letter on my behalf.

I am filing this complaint, certified letter to Paypal, their co-branded card partner, BBB, CFTB and banking authority for this transaction in our state. Sadly, aside from the complaints, the only other action I can take is to discontinue using this vendor for any reason.
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At Your Service on 12/09/2012:
I agree that if you're dissatisfied, the best thing you can do is not use them. Ironically, this means the hold on the funds or line of credit doesn't make any difference.
stacey on 03/13/2013:
I am also dealing wirh the same issue. I placed an order with Best Buy.... almost a month later I still don't have my money back. I will be contacting rhe bbb.
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StarEmpty StarEmpty StarEmpty StarEmpty Star
Please Somebody Stop This Company
Posted by on
Rating: 1/51
I tried to get my money off the card and close my account. Let me explain this first. I applied for the card at a checking company by my house. I went to the same company to add money and get money to and from the card. The last time I tried to get MY money from the card I was told that someone had reported it stolen. (ITS MY CARD)....Netspend told me I would have to send my S S card and my drivers license in the mail to them. Come on people!!!!!!

If I'm a victim of identity theft, why in the heck would I send my personal information to you by mail????? I was in the same place where I applied for the card. The very same place Where I get my money orders to this day. I'm going to keep complaining until something is done. they still have my money. Don't go direct deposit with them I bet you will regret it
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hateful of netspend on 03/23/2013:
donnie mcswain on 07/09/2013:
This co.took my money will not tell me were it is because I could not send a elec. Gas ec t bill to them on phone thry are very rude to me an tell me samebthing over an over all I want is my money
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Unauthorized charges
Posted by on
I have used Netspend for over 3 years, depositing paychecks and now my ssdi benefits monthly. I recently noticed that I had unauthorized charges to my account that had all been made to a card I had not used in 2 years. I immediately contacted Netspend to report the fraudulent charges. While making the report with them I began to notice more charges that I missed. In total 21 charges for small amounts ($.99 to $107.01). During the time these charges began I had just received a large deposit from Social Security for back benefits so naturally I did not notice when $5.95 was charged to my card when I had over $10,000 available. It wasn't until I woke up one day and noticed a negative balance that I started my research. Immediately I began my dispute ordeal. I quickly placed a report with the Police Department in Philadelphia and obtained the report # for Netspend and the merchants involved. I typed a vey detailed letter including everything that Netspend asked me for. Also included letters from two merchants stating that the charges were found to be fraudulent and they were reversing the charges but could not do so without my bank cooperating (which they failed to do). So 2 weeks after the initial dispute, I contact Netspend to get an update on the status of the investigation and I am told that I need to answer more questions about how my card got stolen! WTH! I included this information in the 1st letter sent to them. I am completely pissed. It seems that my misfortune is not a priority for Netspend. Now I have to continue to do my own investigation because they have not done anything. Please learn from my situation and do not ever use Netspend! I wish I had learned earlier!
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Skye on 05/17/2011:
Did you ever consider using a bank? At least with banks, they have fraud departments that look into things like this.
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Rip OFF!! Beware!
Posted by on
So I had a refund applied to my Netspend card for services I had previously purchased at a company. Netspend put a hold on my account because I had not used the Netspend card for the original purchase. Even though the company authorized the refund and processed the credit from their location! So they locked my card, and I was unable to access my money, even though I had other funds on that card not related to the refund. I called customer service and was told that I had 2 choices. Either I could have them credit the amount back to the merchant, or fax over an original invoice to prove that I really did purchase something from the company. I chose to have the amount credited back to the company as I did not have a copy of the receipt. I waited the 3-4 business days, and still my account was held. I called them back and they said, no, that the MERCHANT had to do the refund. So I called the merchant and they tried to reverse the transaction, but it was declined! So I call Netspend and they said to fax over the invoice instead, which I did. They said it would take 15 minutes to unblock my card. I waited 3 days and it was still blocked. I called back and was told the merchant would have to reverse the credit to unblock my account. It has been 60 days!!! And my card is still blocked, they have all my money, plus the refund money, and I am pissed! Their call center is manned by non English speaking people, who all say something different every time I call!!! WHAT A RIP OFF!!!
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Alain on 02/18/2011:
You might take a look at and see if there is another prepaid card that would better suit your needs.
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Netspend - Money Withdraw Rip Off
Posted by on
I have been a Netspend customer for 3+ years. I choose to come to them due to the ease of using the cards and the minimum fees. I went into an ACE location yesterday to withdrawal money for my rent total $1200, I was told that there was a new rule in place and they now charge to withdrawal money after the first $300. This immediately alarmed me because I have not received an email, mail or text notification with any of this information. Although I did receive an email notification of their new elite program, I found this extremely odd. I asked why did they not inform their customers his response was that it was posted on their website. I said well this does not justify sufficient notification, many people don't have regular access to a computer, and furthermore why go online if you can send a text to them for your balance? The ACE employee of course could not answer. 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) TOTAL FEE $18!!!!!!!! I am still pissed off - what a rip off. I told him they are only doing this because income tax is coming and people are going to be pulling of large amounts - if you have $5000 being pulled out after the $300 they don't 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 Netspends 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 comparassion - 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.
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leet60 on 12/02/2010:
There are banks available that will allow you to open a checking/savings account without first checking Telechex/Chexsystems and/or your credit profile. The problem with any of these "prepaid" debit style cards is they always have a disclaimer in their agreement that terms can change without notice.
bubbles on 04/26/2014:
They charge you $1for every $50 u take out over $300. I got notification wen I went into Ace. They had a sign hanging in the tellers window. It started in August of 2013. But the sign was there before then sayin starting Aug 1st u will b allowed to withdraw more than $300 a day but had a fee for doing so. When I pay my rent I go 2 days in a row or jus withdraw $300 from one card n another $300 from my second card. Maybe u should add another account n have some of ur check put into the other account. I think they allow u to have 3
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