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.
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.
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.
ARLINGTON, WASHINGTON -- This was the first year I used TurboTax. I opted to get the NetSpend card which was the worst thing I ever did. My money was deposited before a card ever came. After waiting and waiting I chose to call to find out where the card was. I should mention my phone was lost and I had to order a new one during this waiting period. My phone was set up with security features but it obviously didn't stop the crooks from getting into my personal information. I use my phone for everything. Including filing my taxes.
After calling NetSpend I finally got ahold of a customer service representative He told me I had to wait for the card and all was fine. He seemed confused and kept asking random questions over and over. I was unable to access anything online. After repeating myself several times come to find out my personal info was compromised and NetSpend allowed someone to transfer half of my tax return out of my account to someone else's account and also drain the rest from my account. My card was obviously intercepted and stolen. Within a matter of a weekend plus a couple days everything was gone.
I completed the necessary letter stating I never authorized anything nor did I ever even receive a card. Every time I call NetSpend to get info I get hung up on or told I can't speak with anyone. This is my money. Most banks issue a credit within 3 days. I am contacting an attorney, Visa, TurboTax, and the IRS. I have a serious illness and without these funds my life is in danger. This issue has cost me the loss of my moving deposit along with medical treatment. I am now out $2827.01 plus fees.
TurboTax shouldn't offer services to their customers. I have read thousands of reviews of the same thing happening. Someone calls in and wants to transfer funds to a 3rd party card and that doesn't raise suspicious actions? NetSpend clearly doesn't care. And it this point I'm starting to think it's inside operations that is giving out personal info. No banks authorize money transfers to 3rd party accounts without extreme caution and authorization. I am disgusted and will be filing charges and proceeding with a lawsuit. Not only that, I will make sure TurboTax dissolves their relationship with 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!
AUSTIN, TEXAS -- My claim should've been updated today. I talked to a representative. She said I should be credited for my dispute today. I've been waiting 20 days. I showed my police report verifying I was robbed at gunpoint and that my purse was stolen with all my cards and I.D. but NetSpend did nothing. I have my $1,078 Light bill to pay and I have rent I'm behind on. Can't you guys give me an update? I've been waiting long enough. The officer said I wouldn't have to wait this long because there's a report and they won't credit back my tax check. The IRS said NetSpend is responsible for crediting it back. That's $2,422.00 that was stolen.
SAN ANTONIIO, TEXAS -- Purchased prepaid card hanging on PayPal... one of the names the company used. Called to activate the account. Talked directly to a representative who said "I activated your card." They want all your personal information, "Fed. Gov. requires." Just like a bank card. I did not want a 'credit card', just a prepaid card to make purchases. I had given them well over $100. The card was not activated two days later. I called again. Too busy, they would call back. They did, within 24 hours. I was not home. They left a message they would call again, but did not.
I called, waited 20 minutes before talking to a representative who said the card would only be activated after I sent them verification of all the info... copy of my SS card, address... etc. I said "I would not do that." I wanted to cancel get my money back. Rep. said she would cancel but it would be 20 business days before I got my money. It would cost me $5.95 to cancel. I paid $5.95 to purchase the card... so I spent $11.90 for nothing, could not use the card... It didn't take them 20 business days to take my money. As a senior... I need my money before 20 business days.
It is hard to get a hold of anyone first of all, then can't get a supervisor, "not available." NEVER buy one of these cards again. Other cards were cheaper, one 2 minute telephone call to activate... no fees to check balance. NetSpend has fees for everything. It means "You will net spend into our business." Thank you.
JACKSONVILLE, FLORIDA -- I can be quite vocal when it comes to complaining about something I don't like, it's easy. However, when I receive great service I like to celebrate it as well. The call I had was a "once in a lifetime" type of call. It was like speaking with an old time friend who related to me well and was able to take care of my needs as a NetSpend customer as well. Now I think it will be impossible for me to think of NetSpend without a smile on my face. My customer service agent was kind, supportive and incredibly helpful.
Even though I had many other things to do, I just wouldn't be able to sleep without writing a review just like I told him I would. NetSpend makes me happy by paying me ahead of time. I have my money and can take care of what I need to while my co-workers are still waiting for their checks. Also if I am in a tight spot their $10 cushion has covered me. No cost for it at all. I can go over and then it's taken back when I get my next deposit. You won't know how cool that is until you have to use it. I am so used to it that when I have $500 in my account, in my head I say I have $510 -- LOL! Sweet!
I won't get paid for this and I don't work for them. I am simply keeping my world. I told my representative that I would post at least 5 reviews because I was just that "happy". Magic doesn't happen with every person we come into contact with but sometimes it does and it's best to rave about it. If I was angry I'd probably write 10 reviews so really I am just balancing things out in the universe. I am sending out some good and it feels good. I hope everyone gets to speak with a good representative.
Tip: Sometimes when you see someone isn't going to help you/isn't nice, just end the call and call back for that perfect one. I have done that with every customer service line in the world. Also, I work in customer service and I always try to be that "person" that you are happy you reached. I will speak to you kindly and smile even if I am sad or ticked off :-) as I do everything I can to help you because I love being treated well too! Cheerio!