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Netspend - Page 3

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1.4 out of 5, based on 114 ratings and
192 reviews & complaints.
Company Profile
Netspend
PO Box 2136
Austin, TX 78768-2136
1-866-387-7363 (ph)
www.netspend.com
customerservice@netspend.com
Product/Services
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Beware of Fraud
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

KANSAS -- They won't refund any fraud charges. They refuse to reopen an account after there is fraud on your account. Then to get the rest of your money on your card takes 6 to 8 weeks for them to issue a check. This is crap!!!

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

BOSTON, MASSACHUSETTS -- Do not buy this card or load money on it unless you like to give away your money. They charged me $5.50 to take cash out of atm, $2.00 for a every debit transaction, $1.00 for every credit transaction. I loaded it with $200.00, made 7 transactions totaling less than $100.00 and they charged me over $15.00 in fees. I took the remaining money off and threw the card in the trash where it belongs. It should be illegal what they are doing. Oh and if you have the card for a month there's a $5.95 monthly fee.

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

TEXAS -- On December 2017 I purchased few cards as gift cards as I usually do. Unfortunately I purchased five cards from Netspend, all my friends were going crazy because in order to activate them they have to provide their personal information. So far I received two of them and I have been going through hell. I have to wait at least 1 hour for a supervisor just to activate both cards without a pin number. I will not buy these cards again. Customer service is horrible...

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Netspend WILL STEAL Your Money if You Buy Their Prepaid Card.
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

I put hundreds of dollars on a NetSpend card thinking it would be no problem to set up and use. It was a huge problem. NetSpend had locked the card and I was unable to access my money on the card! They essentially stole hundreds of dollars from me. Whatever you do, NEVER I repeat NEVER BUY a NETSPEND PREPAID CARD, if you wish to use your own money.

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Biggest Scam for a Gift Card Ever
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

ROCKVILLE, MARYLAND -- Was trying to activate my son's gift card given by family member, was told that the card cost 5.95 a month to monitor for good standing, so 6 months after trying to activate no funds left on card. BIGGEST SCAM EVER. STAY AWAY FROM ANYTHING LABELED NETSPEND.

Company Response 08/03/2017:

We are sorry to hear that you feel that way. Please feel free to email us at Social@netspend.com and we would like the opportunity to rectify this for you. Thanks, Netspend.

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Unsolicited Letter Sent in the Mail
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

AUSTIN, TEXAS -- Today I received a unsolicited letter with a prepaid MasterCard and I do not have an account with them nor did I reply for this card. Also, the letter doesn't say that I requested it whatsoever. Something is very fishy about this as I believe that is a scam and will not fall for it.

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NetSpend Works for Me
By -

I have had NetSpend for a few months now. With the economy I do not trust banks, so I was refuse to take my checks to a bank. I have been ripped off not once, but twice by a huge banking corporation and honestly was a bit standoffish about using NetSpend. Being a tattoo artist, I was making too much money to carry around in my wallet and after having my house robbed about a year ago, I don't trust leaving anything too valuable in my home.

I was talking to one of the artists I work with about giving him some money to put on his card so that I could order this really nice tattoo machine online. He pulled out his wallet and showed me his NetSpend card and said "Why don't you go buy one of these from HEB? They are like $5 and it's free to put your money on them. I've had mine for about 2 years and have never once had a problem."

So during my break I went to go buy one and was actually disappointed at first when I found out that any transaction would cost me money, but then I was offered one of the spending plans that is only a little over $7 a month (which honestly is not that big of a deal). They have to make money to stay in business. I was more happy with that plan.

I then created my account and found out all of the great things that a lot of other banks never offered me. Like you have the option of receiving a text message every time there is money spent on your card. I thought it would get annoying but it's actually reassuring. It literally tells you what time, where, and how much was spent. So if you are actually able to track your card down if you really wanted to. The texts come in immediately after you swipe the card. Also you are given an option of free direct deposit, which most banks charge you a fee for.

The company also gives you an option of free bank transfer, which is awesome because if you have a bank and you have money there, but you want to use your NetSpend card, there you go. Honestly the main problem with the bank I was going with was that my card would get stolen, and I'd be in debt even though I reported it stolen the moment it got stolen. They would still allow my account to be open. NetSpend deletes the card as soon as you call them.

Also I love that you can't possibly get any overages. That saves me a lot of money. Sure I don't have extra money that isn't mine to spend if I need it, but I don't get into debt. There are a lot of great things about NetSpend that I haven't mentioned, but you get the point. I feel safe with NetSpend mainly because of the texting option. I don't think I will go with another bank as long as NetSpend is around.

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Scam Scam Scam
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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The Worst Card Ever!!
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

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.

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