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4.5 1942 Reviews

NetSpend Complaints Summary

537 Resolved
268 Unresolved
Our verdict: With a good resolution rate, NetSpend generally handles customer issues well. However, it’s important to be proactive. Familiarize yourself with their processes and services. Reading through various customer experiences will provide valuable insights into how they handle complex issues.
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6:16 am EDT

NetSpend debit card and security questions I never agreed to

I got a Netspend card last year 2016 and it has been nothing but fraud on behalf Netspend no one else. First off I have two law degrees, therefore, I know law and know what Netspend is or what you are up too. When I got the card it was for my email account, Protonmail based in Switzerland, so I authorized it for five dollars and since I only have one email account it just makes sense that you would not block it again, primarily since I explained that this charge was a reoccurring monthly fee or I'd be using this again, however, you blocked it again. So, being out of the country working for the international criminal court or ICC one is actually prevented from dialing outside the country so on speaker phone but through my lawfirm all I got was idiots there, putting me on hold then transferring me around, and when I finally did get this guy he said he needed to verify my identity... OK. But then he started asking me if I had ever lived here or there... and I said no no no etc, then he asked me if I knew this person or this person etc... I said no no, and finally I said listen pal, I never give those details out and it sounds like your asking me who I know from facebook, and security questions are supposed to be questions and answers prior to one setting up an account, not after the fact. So this [censor] then replied I'd have to call back in 24 hours because my verification failed. I said wait, the five dollars on my email account was used before then you blocked it again only so you could dupe me into intelligence gather questions, which I know is unlawful. Therefore upon my return, I am filing a lawsuit against Netspend for fraud as well as some other unlawful violations. No one should entertain this because, as I said to the rep there at Netspend, how do I know this conversation is secure? Furthermore, I never disclosed names of distant family members or 20-year-old addresses etc. So, my phone is [protected] my name is Louis Rohr ssn [protected] and dob 29/09/63
UNBLOCK NOW OR BE SUED< I am done getting [censor]ed around by you [censor]ing [censor]! Sec.3.2 1992 act and Supreme court decision in Myers will fix you dum [censor]! Just see Louis Rohr address 2125 31st Street NW

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9:09 pm EDT

NetSpend prepaid card

I have used netspend as a secondary means for years and never had an issue. I have 2 official credit union account but like to put direct part of my direct deposit on my netspend card to receive it faster than my banks.

Let's go back a while ago. My card seemed to be damaged and not swiping properly at registers or able to use in ATM but if I tried about 4-5 times, I could finally get it to work. So around 3 weeks ago, I go online to order a new card only to get an error message so i had to call the lack luster customer service. The representative said she was sending the new card. Fast forward a week ago, I move out of state and now the card won't scan or swipe at all. I was checking for the card and nothing. I finally call the lack luster customer service again only to find out 1st rep never sent a card! The second rep put another order it and sai "so sorry" as that's all they ever say and we will send out expedited. She put me on hold to come back and said oh we can't expedite sonwill take 7-10 business days.. so let me get this straight, your rep lied, I waited 3 weeks for nothing and now you are telling me that you can't expedite a card with MY money on it.. she then told me I had to run around in circles to a store to get a temporary card and they would transfer my money from my account to the temporary card until the new one came. I purchased the temporary card yesterday 08/24/17. I used it a few times in the day and by evening it was getting declined and would not work in atm. I spent a lunch break again speaking to a rep and in hold only for her to tell me a hold/block was put in the card and that I needed to send a copy of my receipt from rite aid to [protected]@netspend.com and that as soon as they get the receipt, they can release the block. I sent the receipt from my personal email as well as my work at 3:43 eastern time. I get off of work and try to use my card only to find it hasn't been removed. I called customer service AGAIN, waited on hold 23 minutes for a supervisor only to tell me to call back tomorrow because that department closes at a certain time! But wait again, another rep LiED and told me as soon as I sent, it would be fixed immediately but the supervisor wanted to reference their reply email about 6 hours. So, the reps are trained to lie, I can't use MY own money and the supervisor had the nerve to tell me to call back in the morning when the department is open! Why the HELL do I need to keep calling when I have had to keep calling many times. I have a busy life and not time to spend with netspend. The supervisor wasn't any help, just says sorry like the reps do like robots, the reps lie and I want my money now! I don't want to hear another damn sorry and don't want to call again and deal with your horrible service! Just tell the truth and fix it!

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12:59 am EDT
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NetSpend netspend

I made an account the other day. Today I tried logging in and it said my account was locked was is this? I have had cards sent to me but never used. But I ordered one for my direct deposit and this is what happens. I haven't even got my card yet either. Can someone please let me know what to do so I can get money? All my information I put in is right.

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1:32 pm EDT
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NetSpend customer service and refusal to return monies

On 7/31/17 There was an incorrect transaction made on my account. I called NetSpend to dispute the charges, I was told if I disputed them my card would automatically be cancelled. I didn't want my card cancelled and asked if there were other options. I was told to discuss the matter with the merchant and try to resolve it that way. I contacted the merchant explained the situation and made a new, correct transaction. Problem resolved, or so I thought. At 6:30 AM on 8/2/17 I received a text alert stating that my account was locked and my card was blocked. I called NetSpend and they said in order to access to your money go to a local ACE check cashing store purchase an ACE card and then call back in to have NetSpend activate the card (apparently ACE and NetSpend are one in the same). I go to ACE and they tell me that the card can't be purchased or activated because of my last name being hyphenated. Then I call NetSpend back and they tell me to just wait for the new card to arrive (that will take 7-10 business days). I explained that unless they were going to cover my expenses I needed access to my money today. I was then told to find a WalMart...purchase a new card, load money onto it and call NetSpend back and "maybe" they could get the card on. As of yet I've not gotten my money or even access to it. I've been on the phone customer service since 8:00 AM and it is now 1:08PM and I am on hold again for the 12th time. I've been hung up on a total of 9 times and transferred mores times than I can count. I personally hold Lisa Henken (V.P. of Customer Service) responsible as I feel it is her responsibility to ensure her team is knowledgeable, actually provides customer service and has the proper processss in place. It is clear that Lisa and her team lack the professional experience and the desire to provide good customer service. I ashamed of myself for believing that NetSpend is a reputable company. To date my money is still not on the new card and I was just advised that if and when it is transferred I will only get a portion of it and hen will have to request the remainder be transferred to the new account. 1:28 pm still on hold

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7:17 pm EDT

NetSpend dispute not refunded

Complaint Type: Consumer to Business Complaint
Nature of complaint: Billing or Collection Issues
Problem description:
I contacted netspend on 7-15-17 to file a dispute for charges made on 7-14-17 from I tunes for 39.98 my card was cancelled, issued a new one 10 days later. Still waiting for refund of 39.98 and 3 overdraft fees that occurred because of this charge. have called 3 times to receive updates, and told to call back, call back, . As of today 7-27-17 nothing has been resolved, and I was told to call back.
Desired Resolution: Refund
Desired Outcome
refund of funds from charged from I tunes, 39.98 and the overdraft fees of 45.00 associated with the disputed transaction.

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2:48 pm EDT

NetSpend customer service

I had an issue with a unauthorised payment and had did a dispute. My SSI came in today. Attempting to gain access to my funds, I have been on hold off and on for better than 90 minutes. For something that should take no longer than five minutes.
Twice now I have asked for supervisors only to be put right back on hold. This is precisely why I ditest outsourcing of American jobs.

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9:08 am EDT
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NetSpend direct deposit

I always get my direct deposit pisted at 10:38 sunday evening, i noticed it was not there last night or this morning, i spike with my payroll dept, whom confirmed it was sent, called netspend saying they did not receive it, well where is it? Keep repeating same response it will post when they receive it! Well they did receive it now what? My son has epilepsy and i need to get his medication, have no money, husband is out of work, i dont know what to do now, netspend no help!😠😠

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TTK4
, US
Aug 01, 2017 7:46 am EDT
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Same problem here. Today is the 1st of the month. Need the direct deposit for RENT. EVERY OTHER WEEK EXCEPT THIS WEEK, the deposit goes through by 6AM on Tuesdays. Here I am it is almost 9AM, still no deposit. Seriously considering ditching this unreliable service.

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Charlotte Amadi
, US
Jul 27, 2017 3:49 am EDT

I am having the same problem! I was supposed to go pa go paid today at 10 pm (or last night, really) and my check is nowhere to be found! I have a lot riding on that check so I need the money the money.

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1:33 pm EDT
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NetSpend employees not sending my card waiting three weeks for a card

Ferb # 41691 or # 41694 is the employee name I'm not understanding why I haven't got my card yet waited three weeks I'm highly pissed off every time I call they say they will send me a card I have not got a card so I thinking netspend is stilling my money . I've answered the security question and still I'm getting the run around I'm getting put on hold or getting hanged up on I'm about tired of the disrespect and the i don't know or I didn't order no card seriously . I have docomitation saying when Ive called how many times I've ordered my card . Netspend I've been late on my bills bc y'all dobt know how to do yall job right . This is the worst company to deal with when it comes to prepaid accounts this is ridiculous. I want my money and my new cars in two business days not 7- 10 I've been waiting three weeks now.please let it be some one who speaks clear English. That calls me back. [protected]
Sheena Williams

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7:08 am EDT
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NetSpend fraudulent transactions

I am a victim of netspend fraud& would like to know how to go about, contacting the correct department about filing a complaint.To recoup my funds .Please provide me the information needed in order to address this matter.Over the years there were numerous authorized cards loaded with my funds & used by the netspend company.The fraud accured for a number of years

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6:29 pm EDT
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NetSpend netspend giftcards

let me start off by saying that I always buy throwaway cards because i feel more comfortable doing it that way, well let's skip to the point. I got the card and i tried hooking it up to uber & it kept declining it so i called customer service & they couldn't even speak fluent english! don't get me wrong i understand that some have an accent but the lady i spoke to shouldn't be an operator, i couldn't even understand what she was saying. & THEN SHE ASKS FOR MY SSN, that's the whole thing i'm trying to avoid when getting these cards! ok well i make it clear to her that i'm not willing to give her my ssn so she's okay with it & limits what i can & cant do with the card. With the few things that i understood, she said i could only use this card for online purchases. whatever, i go home and look for stuff to buy online & once i put in my card info it just declines it, on several websites too! so annoying, probably worst cards to get? they absolutely suck. so frustrating, i put in 160 dollars that i still have no idea if i'll be able to use. really bummed out about this. NEVER EVER GETTING A NETSPEND CARD AGAIN

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11:19 am EDT
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NetSpend visa gift card

Beware! Don't ever give the NetSpend Visa Prepaid Gift Card as a gift for someone. This is such a scam! My kids were given 3 cards as gifts from a holiday or birthday present. As soon as you activate them you have 3 months to use them if not you are charged a fee each day. If you don't activate them you are charged a fee each day and they expire. So so so sad for my kids who were trying to save up for a vacation! NEVER EVER will I use this company to purchase someone else a gift. Keep in mind my cards say they expire in 2020!

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9:07 am EDT
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NetSpend and account open in my name by someone else

And its covered by the ftc settelment
From: "ftc settlement"
Date: apr 7, 2017 12:04 pm
Subject: re: netspend ftc settlement
To:
Cc:
Account [protected]

Dear cardholder,

Thank you for contacting netspend customer service regarding the federal trade commission settlement.

Netspend has announced a settlement with the ftc related to marketing messages. customers who are covered in the settlement will be contacted no alter than mid-june 2017.

According to our records, the following account(s) are not associated with the group of accounts covered by the settlement.

[protected]

[protected]

[protected]

[protected]

[protected]

[protected]

[protected]

[protected]

[protected]

[protected]

[protected]

[protected]

[protected]

[protected]

[protected]

[protected]

[protected]

[protected]

[protected]

[protected]

[protected]

[protected]

[protected]

[protected]

However, we do show that your accounts [protected] and [protected] are included in the settlement. please provide us the name and address where we should send your refund check.

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brian64
, US
Jul 20, 2017 3:19 am EDT

Brian. what a joke this company is. bought 2 new cards. day later they froze both. for no reason. I had already used it on the web for about 30 bucks. want proof of address id and ssi. I have never been asked this on a prepaid card. and I did, email it. but I got to thinking it wasnt more than a year ago when I could not have provided any of those things. here my beef! if those are the things they require then wht not get all of that up front when you are buying the card. instead of freezing it up. I will tell you why, they want you to put a lot of money on it and then not have to give it back. otherwise why would they allow you to use it before presenting those things up front. really f — ing shady!. needless to say, I dont like that kind of [censor]. and they froze the money after I put all I had on it. meaning I couldnt put gas in my car to go to work the next day.. f. u. very much netspend good job on how you scam the people.. once again... if those things are required. then get them upfront and stop stealing the peoples money just because they cant supply you with ssi or id.. what ifyou dont have a resident but all the other things. is that not you? [censor]!. I cleaned out both cards and even bought stuff I didnt really want just to clear all of my money off netspend cards. its just the fact that I dont deal with shady bankers.. closed both accounts. f-off netspend. worst shady company ever. they should all be shot and the money returned to the homeless and the people who dont have ids osr ssi card around. its our money you [censor].. adios netspend...

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Tracy Scroggins
, US
Jul 09, 2017 6:59 am EDT

My name is Tracy Scroggins & I was victimized by netspend, numerous cards were ordered. In my name unauthorized a, and hundreds of thousands of thousands was transferred and used .By netspend pre-paid card .I spoke to netspend customer services back . In the day& was informed that indeed, they believed my accounts were fraudulent and they sent a couple years of unauthorized documents.But when I ask to speak to the fraud's department about the issues & tried to obtain. The rest of my fraudulent account information, I wasn't ever able to talk to (anyone that would comply . I wanna know how I can go about recouping my stolen funds(TracyLedon@ aol.com, # [protected])

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12:48 pm EDT
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NetSpend transaction made on my account not by me

I work hard for my tax money and I have kids there was money took from my account that wasn't OK by me claim number 3355056 I reported it on March 8 2017 it happened on February 23 2017 so I waited and end up calling back May 2 2017 and Netspend act like I never contacted them but I did and I have proof along with recording I was told that I had no worries and I would be getting my money May 31 2017 so I wait that day comes my account gets locked so now I'm about to go to my lawyer I see all the review on y'all and they are bad now I see why I would recommend anyone open a account with y'all I can't believe I was done like this but I won't give up because that my money my proof shows I been disputed it

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7:46 pm EDT
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NetSpend account suddenly closed after activation/ denied access to federal student aid funds

I was sent a netspend card in august 2016 which I activated to have my student loan disbursement sent to. I registered for online access on 10/18/2017 and I was due to start classes at Lone Star College on 10/24/2017. My disbursement was sent to my card on 10/25/2016. I received an email from netspend advising that I my deposit was pending and that the account was blocked because they needed additional info to make the funds available. I contacted them and they asked my ssn dob address - which i gave them the address where the card was sent however i advised that I had just moved to that address and asked if they wanted my previous address and the rep said no but then they advised that I did not pass verification due to the address. They requested for me to send in documents to verify my identity. I sent in the requested information copy of id, ssn card, bill in my name and I also sent in my hhsc award letter confirming address. They accepted the proof of address and my social security card however they denied my id due to it being a temporary permit tho it was valid and not expired . I sent a copy of my passport and they activated the account where i was able to use the account the night of 10/26/2017. I used the account to pay for some school items and the next morning when i tried to order my books my card was declined. I contacted netspend and they advised that the account was closed due to some sort of fraudulent activity. I spoke with numerous reps who adviosed that a refund of my funds where on the way but they were never sent . I filed a complaint with the ftc, cfpb, bbb, netspend. to no avail. they then request a letter of indemnity completely ignoring the federal restrictions on federal student aid . Lone star College has advised netspend directly that they do not send out letters of indemnity. and Netspend Is unwilling to work out other solution after the school who has clearly verified my identity, has advised for the funds to be sent to me. They even have a court order ftc case advising them to refund the fund to accounts such as mine and they are still not willing to work with me and the fund are still sitting on the account 10 months later.

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8:25 pm EDT

NetSpend netspend card

I received an authorized charge on my card and I reported it stolen. Then I called back immediately and ordered a new card. That was May 22. Today is June 13. I have not received my new card. On Friday, June 9, I called to inquire about my replacement card, since it had been more than two weeks since I'd ordered it. I was told that a card would be sent out, expedited, and that it would be 1 to 2 business days. Today has been two business days. I called to see where my expedited card was and was told by a CSR that such a service was not available on my account. What? I was told that the card would be sent expedited last week and now I'm told that my account does not qualify for that? Where is the card I ordered three weeks ago? Can you go three weeks without having access to your bank account? This is absolutely outrageous. Now I'm on hold waiting for a supervisor.

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12:00 pm EDT
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NetSpend netspend visa debit card

I bought a visa netspend debit card and I went to activate and I entered in my wrong social security number and I got locked out of my account, and I can not get ahold of them because when I call they won't answer and they won't answer my emails. I just want to get access to my account so I can change the social security number to the proper one. I also probably entered the wrong age because I am under 18 I just want my account to be unlocked so I can change it to my moms name and social security so I can use my card. I spent my hard earned money on this card and I am very very mad that my account is locked. I also don't understand why the need social security. All the other cards I have bought do not need social security. I am beganing to think netspend is trying to scam people

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3:04 pm EDT
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NetSpend prepaid visa

One of the most horrible companies out there. I had to pay my car insurance and I lost my wallet so I had to get a prepaid card. I put the money on the card and then couldn't activate it because they needed all kinds of verification like I was applying for a regular credit card. After 24 hours of sending them my drivers license change of address social security card car registration all of which are on their email as acceptable forms of identification they said they saw couldn't verify me and closed my account and said I would have to wait for a check. They are a disgusting company and they should not be allowed to have prepaid credit cards it's not fair to consumers especially considering after doing some research I found out they had a huge lawsuit against them a few years ago

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1:02 am EDT
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NetSpend account locked

i had my card for years ..just used it a few days ago it was fine.just tryed again and account locked..customer service is closed and i wana know why it is locked .no reason for it to be locked noone has my numbers and i only use it safe locations .how can you lock my account and not notify me by phone.i read other reviews of ppl sayin you just locked their accounts as well to scam ppl or say you need all this proof to unlock it and then never do onces it sent .i dont got time for this if i am giving a hard time i will close my account asap and have all my coworkers whom go threw yall do the same asap.. why is my account locked i do not get it?

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8:39 pm EDT
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NetSpend tax refund

My father never received his netspend card, when he called they told him that the address of was sent to does not match where they sent it. The tax filing through turbo tax has all the correct information, l. When I call they ask for very sensitive information and even though i verified all the correct info, they won't help me. They say they are going to put him through to a supervisor but never does, either keeps me on hold for 30+ minutes or hands up. This is a terrible company who isn't willing to help you when they mess up. I will never use them or recommend them. HORRIBLE!

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5:29 am EDT
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NetSpend account locked

I've used Netspend for over a year now and never had issues until today! My paycheck was set to direct deposit and now my account is locked! Customer Service doesnt open for another 3 hours and I have no clue what to do. No reason for my account to be locked! Two kids and no access to money and now can't even go to work. I've emailed and no response, I call and can't get through because account is locked so none of my information works. How can you lock an account without notifying me?

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NetSpend Customer Reviews Overview

Netspend is a highly rated financial product that provides innovative prepaid debit card solutions to its customers. The company has received numerous positive reviews from satisfied clients who appreciate its ease of use, flexibility, and security.

Customers love the convenience of being able to use Netspend anywhere Visa or Mastercard is accepted, which makes it an ideal solution for those who do not want to carry cash or incur high fees associated with traditional banking. Netspend also allows for direct deposit and mobile check deposit, making it a popular option for individuals who want to avoid trips to the bank.

With Netspend, customers can easily monitor their spending, manage their accounts, add funds, and enjoy many other features that are typically associated with traditional bank accounts. The company also offers a rewards program that lets users earn cashback on their purchases.

In terms of security, Netspend uses the latest technology to protect its customers' financial information and funds. The company provides a Zero Liability Protection policy that ensures customers are not held responsible for unauthorized purchases or transactions.

Overall, Netspend is an excellent financial product that offers a wide range of benefits to its users. With positive reviews from satisfied customers, the company has established itself as a reputable and reliable financial service provider.

NetSpend In-depth Review

Overview of NetSpend: NetSpend is a popular prepaid debit card provider that offers financial services to individuals and businesses. With a wide range of features and benefits, NetSpend aims to provide convenient and accessible banking solutions.

Services and Products Offered: NetSpend offers a variety of services and products, including prepaid debit cards, direct deposit, mobile banking, online bill pay, and money transfers. These services cater to the needs of individuals who may not have access to traditional banking options.

User Experience and Interface: NetSpend provides a user-friendly interface that is easy to navigate. The website and mobile app are designed to make managing finances simple and convenient. Users can easily access their account information, make transactions, and track their spending.

Customer Service and Support: NetSpend offers excellent customer service and support. Their knowledgeable and friendly representatives are available to assist customers with any questions or concerns. They can be reached through phone, email, or live chat, ensuring prompt and efficient assistance.

Account Features and Benefits: NetSpend accounts come with a range of features and benefits, including direct deposit, mobile check deposit, and online bill pay. Users can also set up alerts and notifications to stay updated on their account activity. Additionally, NetSpend offers a rewards program that allows users to earn cashback on qualifying purchases.

Fees and Charges: While NetSpend does have some fees associated with their services, they are transparent about these charges. Users can easily access a fee schedule on their website to understand the costs involved. It is important for users to review and understand these fees before using NetSpend's services.

Security and Privacy Measures: NetSpend prioritizes the security and privacy of their users' information. They employ industry-standard security measures to protect personal and financial data. Additionally, NetSpend offers fraud protection and zero liability for unauthorized transactions, providing users with peace of mind.

Accessibility and Mobile App: NetSpend's mobile app is available for both iOS and Android devices, allowing users to conveniently manage their accounts on the go. The app is user-friendly and offers a seamless experience, making it easy to check balances, make transfers, and view transaction history.

Reliability and Stability: NetSpend has a strong reputation for reliability and stability. With a large customer base and years of experience in the industry, users can trust that their funds will be secure and accessible at all times.

Additional Features and Integrations: NetSpend offers additional features such as budgeting tools, savings accounts, and the ability to link external bank accounts. These integrations enhance the overall banking experience and provide users with more control over their finances.

Pros and Cons: NetSpend's pros include easy account setup, convenient mobile app, and a wide range of services. However, some users may find the fees associated with certain transactions to be a drawback.

User Reviews and Ratings: User reviews and ratings for NetSpend are generally positive. Customers appreciate the ease of use, accessibility, and helpful customer service. However, some users have reported issues with transaction delays or account limitations.

Comparison with Competitors: When compared to its competitors, NetSpend stands out for its user-friendly interface, extensive features, and reliable customer support. However, some competitors may offer lower fees or additional perks that may be more appealing to certain individuals.

Conclusion and Recommendation: Overall, NetSpend is a reputable prepaid debit card provider that offers a range of services and benefits. It is recommended for individuals and businesses looking for convenient and accessible banking solutions. However, users should carefully review the fees and charges associated with NetSpend's services to ensure they align with their financial needs.

How to file a complaint about NetSpend?

Here is a guide on how to file a complaint against NetSpend on ComplaintsBoard.com:

1. Log in or create an account:
- Start by logging into your ComplaintsBoard.com account. If you don't have an account, create one to proceed.

2. Navigating to the complaint form:
- Locate and click on the 'File a Complaint' button on the ComplaintsBoard.com website. You can find this button at the top right corner of the website.

3. Writing the title:
- Summarize the main issue with NetSpend in the 'Complaint Title' section.

4. Detailing the experience:
- Provide detailed information about your experience with NetSpend. Include key areas such as transactions, the nature of the issue, steps taken to resolve it, personal impact, and the company's response.

5. Attaching supporting documents:
- Attach any relevant supporting documents to strengthen your complaint. Avoid including sensitive personal data.

6. Filling optional fields:
- Use the 'Claimed Loss' field to state any financial losses and the 'Desired Outcome' field to specify the resolution you are seeking.

7. Review before submission:
- Review your complaint for clarity, accuracy, and completeness before submitting it.

8. Submission process:
- Submit your complaint by clicking the 'Submit' button.

9. Post-Submission Actions:
- Regularly check for responses or updates related to your complaint on ComplaintsBoard.com.

Ensure each step is clearly defined to effectively guide you through the process of filing a complaint against NetSpend on ComplaintsBoard.com.

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Contact NetSpend customer service

Phone number

+1 (866) 387-7363

Website

www.netspend.com

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