To anyone that took the time to read this complaint, and then was surprisingly intrigued by the content which led to possibly needing clarification on the issue(s) concerned, please continue reading. There have been large amounts of misinformed people spreading bogus information about Netspend. I am not an employee of Netspend, and I am not getting paid by/for them in any way what-so-ever! I'm simply a long time customer of Netspend and would hate to see the company change their policies in a way that hurts their loyal base due to the people that are circulating the same lies over and over. The incorrect information can get cleared up & the issues can be settled once and for all. That is...as long as people listen (read) without bias and/or pre-conceived notions; as well as, "hear" all that is being said. ;)
I've been with Netspend for years, and have recommended the Netspend card to several family members and friends. In my experience with Netspend, never have I known them to EVER portray themselves as anything other than a PREPAID DEBIT CARD! There is NO credit limit because your available amount to spend is limited to what YOU deposit on your card. I cannot believe some people and the things they complain about! It's ridiculous! Furthermore, there isn’t a COMPANY ANYWHERE that would send someone a letter stating they won $5000 to open an account! I find myself questioning whether or not this person has the mental capacity to successfully handle their own financial matters. To truly believe such an absurd offer, it’s feasible to believe a trusted relative and/or friend should be taking care of their finances.
Rather than admit THEIR lapse in judgment for being naïve about an obvious SCAM, this absurd individual presumed to explore the potential of a lawsuit against Netspend in lieu of filing a report/complaint against the perpetrator that was actually responsible for the fraudulent attempt! It’s truly unfortunate that people such as these are (at least partially) responsible for the less than helpful, rude and/or unsympathetic customer service people regularly encounter. Since I previously worked for a financial conglomerate handling a wide variety of customer service related inquiries; I can attest from experience that working with disrespectful, rude, and uncompromising segments of the population quickly becomes tiresome. Frequent interaction with a belligerent and/or abusive someone may be overlooked to an extent, but a person’s instinctual defense mechanism will supersede etiquette ideology if/when a threat looms.
Encountering a person that doesn’t accept responsibility for any of their actions or behavior is not only annoying, but sadly troubling as well. To this personality type, everything is “some other” party’s problem/mistake. This is why they feel justified in REFUSING to listen and/or hear what another person is attempting to explain! As far as they are concerned, they already have the answers to life’s issues (as they see them) so there isn't ANYTHING anyone else can say/do to persuade consideration of another point of view. Disturbingly, this online selfish/self-absorbed thinking is proving to be quite common since I stumbled upon another (similar in nature) message board. Written in the same context /tone, another disgruntled group was carrying on about how they were going to report/sue Netspend for "sending them a credit card in the mail that they did not apply for!"
Once again, regardless of the people on the message board attempting to EXPLAIN the facts about Netspend promotional prepaid debit cards which arrive in the mail, the second group of message board participants (like those on the first message board) did not understand how a promotional debit card could be rendered USELESS to anyone other than the person it was addressed to. As with the first group, when they didn't "get it, ” they refused any further information, and became unwilling to accept further continuation on the subject. Personally, I cannot comprehend how these feeble minded imbeciles can feverishly get STUCK on the conclusion that a Netspend card is the same thing as a traditional credit card? On top of that, the fact that they believe someone could perpetuate an attack on their identity with it. They literally talk before thinking and before getting the facts. They refused to grasp the concept that even IF there were a thief, he/she would have to load THEIR OWN MONEY on the card to use it.
Furthermore, Netspend does NOT have access to any of their money (bank accounts, credit cards, etc.) unless THEY decide to load their money on the Netspend card! It’s really odd to me that people can have so much to say when they have NO authority on the subject; as well as, remain absent minded to the posted Netspend facts/rules including how a new cardholder has to personally TELL NETSPEND the REMAINDER of their personal information to activate, have, and/or use the card that was received! Without all these steps, a Netspend card is completely useless! If the situation wasn't so sad and pathetic, it would be hilariously funny! These are the same types of characters that will shout to the world how ignorant everyone else is! Hopefully, someday, these people will see enough of these messages for the “factual” “truth” to finally break through the thick skull that holds their "wee-little brains."
Then, they can finally admit that Netspend did nothing illegal, immoral and/or wrong relating to anyone’s personal information which could jeopardize a person’s identity. Sadly, I don’t think these types of people will "ever" admit they are or were wrong. They would much rather go through life perpetuating a lie and slandering a company that never did anything to them other than mail them a generic “offer.” It would be really funny for those people to find out and realize that the ONLY potential for a lawsuit would be one “against” THEM-the ones “threatening to sue Netspend? Netspend could reasonably sue THEM for slander-they, on the other hand, have not been wronged in any way or had any damages!
Stupid is as stupid does. Even Forest Gump had more sense than these types of people. I just hope Netspend appreciates (and continues to appreciate) all their GOOD customers that take time out of their days (like I just did) and defend them repeatedly out of the goodness of our hearts. The loyal and good Netspend customers deserve to be treated with kindness and respect! THAT is what is MOST important to us, and what we actually CARE about. Then again, a little reward and/or incentive never hurt anyone. : p :)