I have been using this card for over a year. I feel most of the complaints are stemming from people that do not do several things.
1. Read the information about charges and maintenance fees that are applied to the card.
2. Realize that you will have "small change" charges in the areas of 21 cents here, 12 cents there, etc for what are called "Foreign Transaction Fees" which are applied when you use something like PayPal to pay for an ebay auction purchase, etc. Or from stores that apply a fee for you to make a purchase using a debit card (some places charge 50 cents for the service, as that is what the companies that make the swipe machines charge them for each debit card they swipe through the machine.. and businesses rather you eat the cost than them.)
3. Fees from using an ATM, that is not covered by Green Dot's free ATM machines. You can find a list on the GreenDot site local of banks in your area that have ATMs that GreenDot does not charge a fee for you to use. However, the bank may have fees when you use their ATM, which will also show up as "Foreign Transaction Fee".
People just need to read the fine print and know all the charges and fees they will have to pay to use the card.
I have only had one issue, and that wasn't due to GreenDot, it was due to an ex stealing my card and making purchases. I called GreenDot right away and reported the stolen funds. They gave me precise instructions on how to get my money back. I had to call the companies myself, and if they would not refund my money, GreenDot has a department that will come and dispute the charges on your behalf.
I got more help from GreenDot than I did from the claims department of the company my ex made purchases from with my card. GreenDot even sent me a new card free of charge (they normally charge 10 dollars to replace a lost or stolen card, unless you pay the 3 dollars a month for VIP status), and my funds were back on my card in less than 24 hours.