NetSpend’s earns a 4.5-star rating from 1935 reviews, showing that the majority of prepaid card users are exceptionally satisfied with their financial services.
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Overdraft fee
It states in Netspend in regards to overdraft -
Grace Period to Avoid Overdraft Fees: You have 24 hours from the first transaction creating a negative balance exceeding $10.00 to bring your account positive and avoid incurring an overdraft fee.
I was charged an overdraft fee on 3-6-23 in seconds and not 24hrs of a gas station over charging my card then crediting my account back. Netspend never credited my account back the $20 until I called on 3-8-23 (My account was in a positive standing prior to this charge) so it was less than the 24hr grace period stated.
On 3-8-23 again my card was charged a $175 fee from a gas station and was instantly changed to $15.06 which is how much I obtained in gas. Netspend instantly charged my account an overdraft fee of $20 and did not wait the 24hr graced period as stated. My account then was charged another $20 overdraft for a payment that was processed of $99, which when this payment was suppose to be processed I had a positive balance of $101 and some change. So there should have never been an overdraft fee for this charge. Then my account was charged another $20 overdraft fee for a $6 and some change charge. All overdraft fee's were added within seconds and not after the 24 hour period stated in there statements. I called an no one wanted to help they kept putting me back in the queue without advising, I finally spoke with someone who said that your account is charged instantly for anything over $10 and then within 24hours if you made your balance positive you will get $20 credited back to your account. However this is untrue because I didn't get my $20 back from 3-6-23 until today 3-8-23 after 5p.m. only because I called. If I didn't call the $20 would not have been credited back to my account. Now I have to pay a negative balance of $38.64 in order to add money and use my account. When the only reason my account is negative $38.64 is due to the two overdraft fees of $20 each totaling $40. If my account didn't have these overdraft fees, my account would be in a positive standing. I was promised my account would have the money back on it in 24 hours or that I should call back. Why should I have to call back for a charge that should have never been on my account initially in less than 24 hours. I talked to 4 people, the first person was very rude said she was transferring to a supervisor and did not, I talked to a second individual that went silent never said anything after I was talking and put me back in the queue, Third person was very sweet and didn't know what to do so internally transferred me and sent me to a lady that wouldn't help me at all.
Desired outcome: My desired outcome is that my account is credited back in less than 24 hours and that netspend upholds to there statements sent out in regards to over draft or that they update there statements to advice customers of correct information.
This complaint has been resolved automatically due to user's inactivity.
Closed account refund
netspend closed my account "due to supposed fraudulent activity andthere was $265.78 in it, at first they said they would mail a check out it had been almost 3 months now and every time i call i get the run around. initially they needed the source of funds, i emailed my pay stub that proved my employers direct deposit from ADP to my account to [protected]@netspend.com with the reference
number they gave me of #[protected] and requested the check be sent to my home address on the pay stub, after two months of nothing i called back and now they need a "letter of indemnity" from ADP and i cant get one! this is so frustrating, i worked hard for that money they should give it back to me ASAP
Desired outcome: please refund the funds, id like a response via email to [protected]@gmail.com
This complaint has been resolved automatically due to user's inactivity.
Deep Blue Debit card
I filed my taxes on 1/18/2023 at liberty tax and got an easy advance that was required to be put on a deep blue debit card. The following day NetSpend closed my account with a remaining balance of $577 in it. I have called the 1-800 # 42 times to get this resolved. It's one excuse or lie after another. I am hung up on or placed on hold and sent back to the main menu.
Desired outcome: I simply want a check mailed out to me of the remaining balance on the account.
Deep blue debit card
On February 24th I called customer service for the deep blue account to close my account as there was two separate fraudulent charges on my account I was told that they would send me the remaining balance in my account of $314 and it would take 10 business days I needed to call customer service again because I still haven't received my check they told me that it was for $299 and 30% I said why has it gone from 314 to 299 and change she said there they charged me $15 to mail the check utterly ridiculous due to their breach of security I had to close my account and they're charging me $15 to send a check she said it was through ups at first I said I need the tracking number and I want to speak to a supervisor she was unable to give me either one then she changed her story and told me that it was sent to USPS and that I would receive it on March 9th I am disputing the $15 that was taken out of my remaining balance this is the most ridiculous company I have ever ever had to deal with in my entire life I'm going to go to consumer affairs on this as well as the better Business bureau I want my $15 refunded immediately as far as I'm concerned this company needs to be investigated right away. And I'm going to do everything that I can unless this is resolved to make sure that that happens. If you're any kind of proper business what if you Representatives will contact me immediately to resolve this issue.
Desired outcome: Expedited account balance refund immediately for the amount of $314 which will include the $15 that was taken out
This complaint has been resolved automatically due to user's inactivity.
Netspend Prepaid Credit/Debit card
I had a Brinks prepaid credit card, they stopped the card once claiming I had used it for business. Ok, I thought, so I got a Netspend Business Visa card strictly for business sake. The other day, I had just deposited $1500 on the Visa Netspend account and $500 on the Brinks prepaid Mastercard account, also a netspend business. By the time I got home, and went to make a purchase on the internet, the Brinks Card had been closed and the Netspend Card had also been closed on me. In trying to find out why and or to get my 2100 plus dollars back, they keep refering me to their customer service number, where there is NO WAY to get to a Agent to speak with. Netspend Visa Card Number [protected]/26 672. Balance of $1523.54 The Brinks MasterCard Number is [protected]/26 994 Balance of $623.10. I just want my money back. Please help me. Sincerely Thomas G Rude
Desired outcome: A refund of the moneys I deposited
This complaint has been resolved automatically due to user's inactivity.
Deep blue debit.
I filed my taxes last year with Liberty tax service. The customer service for 1 is sub par. Anyway, I used their debit card twice and within 2 days noticed my entire balance was taken from my account in $1-$3 increments to the sum of $3000 plus.. I called and filed a dispute. I was told it would take 20 days to hear from them. It took many more than that. They granted me a provisional credit and it was done. I got mail from them saying the issue was resolved as fraud and promptly closed the account. I gave it a try again this year and got my taxes no problem and I go to use my card and it’s restricted. I called and they tell me that it’s been restricted because I owe $499 because one of the disputes was closed as “no error found” and if I wanted my funds released I had to pay that. I agreed to pay it with the understanding that my dispute be re-reviewed because I have screenshots of each transaction that was made on my card when the money was stolen so if the others to the same cash app account were resolved as fraud why would one not be?
The agreed and told me that they would send notice that I agreed to pay it and my card would be unlocked within 24 hours. It’s been 7 days. I’ve called 4 times. Each time being told that because I called MULTIPLE TIMES I would FOR SURE hear from someone and have my card unlocked, now it’s the weekend. I lost out on a place to live because I had to make my deposit 5 days ago for them to hold the house for me and I’ve not been able to. I’m on hold for them right now waiting to speak with a “supervisor” and the agent tells me “even if you speak to one they’re going to tell you the same thing.”
I’m so angry. I’m so ANGRY. they’re holding $4000 of my money over $499 of my money that their dispute team messed up on. Now payday is still a week away. I needed my money the day it came in and I have to wait 3 more days or more to be jerked around some more. There HAS to be something I can do.
Please help me.
Desired outcome: I would like my card unlocked, I would like to file a formal complaint. And I would like my account that was closed RE-REVIEWED and the $499 that’s being taken from me to use this card refunded back
This complaint has been resolved automatically due to user's inactivity.
Let's get together and see if we can start a class action lawsuit against Netspend. On 2/26/23, I left my card in my apartment. No one has access to my card or apartment. I went to church. When I returned, I was sitting at my table. I began receiving alerts that someone was making withdrawals from my account. How? I was sitting at home with my card. Apparently, my information or Netspend's system was hacked. Since Netspend does not have 24/7 customer service, I could not contact anyone until 8 hours later. Basically, I was told to file a complaint and that I could request a credit provision within 6 hours. I heard back within 6 hours and was informed that I would probably not receive an update until 3/13/23. Are you freaking serious. I am 68 years old and disabled. I need money for rent, utility bills, gas, food, medicine, etc. Not to mention that this will reflect against my credit. And, how the hell am I suppose to pay my phone bill. Well, they are not offering a provision. I am out of $1700+. I have contacted channel 2 news. I contacted FDIC and was informed that Netspend complaints go though the Office of Comptroller Office of Currency. And, I found out that my card falls under Bancorp. I will file a complaint with them directly. I will also file a complaint with channel 2 news as I saw that a man was able to get his complaint resolved through them in Texas. I will post on every relevant media or other outlet available. Although I could not reach customer service, they have commercials to sign up for cards 24/7.
I have been a Netspend customer for at least 20 years. I still cannot withdraw more that $300 at a time and have the same cash limit that I had 20 years ago. I now have other options with a legit bank or credit union. I could understand better if I had lost my card or it was stolen. The same thing happened about 6 or 7 years ago. Someone bought an $800 t.v. at Target without my card. They will not get another opportunity to screw me through Netspend.
Netspend all-access card
I was a vitim of fraud. I had a former roommate use my account to open a CASH APP account and made 12 transactions over a 2 day period while I was out of town. I came home and saw al off of the notifications and I called the customer service number and the police. I filed a police report and I file a claim for the ZERO liability policy that Net Spend claims protects me. Well, the customer service rep was friendly and he assured me I would NOT be held liable for the loss of $500.00. I recieved a letter from NetSpend stating they are not going to cover the loss because thye said and ERROR never occured. I didnt report and ERROR. I reported fraud and unauthorized use which should have been covered by the Mastercard ZERO liablity clause. NOPE. Now they keep calling me to explain. They keep using the word ERROR! Not once have they said anything about the ZERO liability policy from Mastercard.
Desired outcome: I want them to hold up their end of the protection they promised with the ZERO liability policy and give me my lost money back
Yes they reached out to tell me Im screwed and you arent holding up to your ZERO liability plocy with Mastercard
Locked account
Previously, NetSpend has locked my account again and again. I received a refund and now every single transaction is denied. I am stuck in another country and really need access to my money for medical reasons and to buy food for my family. I have proven my identity multiple times and still they persist. I'm about at the point where I want to complain to the ftc and BBB.
Desired outcome: I want to be able to access my money.
This complaint has been resolved automatically due to user's inactivity.
Did not recieve phones ordered from Aliexpress nor confirmation of transaction
On Feb. 12th 1:45 am, I ordered two phones from Aliexpress for $215.45. The transaction shows on my Netspend card #[protected] exp date: 09/26. I did not receive a confirmation from them, tracking number, the phones nor do they have that any transaction even happened. I have attempted to contact them through the App or Website to no avail. The only information is what is listed on the Netspend card transaction where it shows the $215.48 was taken from my card with these numbers listed on the transaction information # [protected] and [protected].
Thanks, J.R. Desselle
Desired outcome: I am requesting the return of the said amount ($215.48) to my card as soon as possible.
This complaint has been resolved automatically due to user's inactivity.
Sharing personal information
I've had a NetSpend account for over five years. About a year ago NetSpend's portal advised me that account info would be shared with (unknown) "affiliates," unless the member opted out. Of course I opted out, both on the portal and in person on the phone. It didn't matter! I started receiving ADs' and then call centers began phoning. On no less than two soliciting calls the callers disclosed that NetSpend provided my phone number. After complaining to no avail, I found another bank style debit card with no fees. It should be noted here that NetSpend's call center is located outside the U.S., and heavily staffed by unintelligible persons with heavy accents. I finally closed the NetSpend account by draining it down to a few dollars when they locked the account. Good Bye!
Then BIG PROBLEMS started. I started receiving phone calls from a multitude of SCAM Call Centers with heavily accented (mostly India) people. Now I receive no less than Three SCAM Callers per day seeking personal info. It doesn't help blocking their phone numbers, because the scammers spoof and share new numbers daily.
Desired outcome: Do NOT use NetSpend! It will get to the point where you'll have to change your phone number and email address. By ALL means do NOT give NetSpend your Home Address, which they claim to require!
This is how NetSpend resolves their Complaints:
"To speak with us about your concerns, please email social@netspend.com."
Really! So now we're supposed to get into arguments w/NetSpun through emails.
They'll damage your identity by sharing your info. Damage your phone. And, hardly speak ENGLISH while doing it! Don't use these invaders, PERIOD...
Prepaid card
I have called 8 different times regarding proofs of identification - Including A) Driver's License - Social Security ID - Current Complete Bank Transaction & Status Information - USPS Federal Proof of Address - 2022/23 W2 Wage Paperwork - Birth Certificate - Profile Reference Information and Car Title. 8 different times this incredible amount of information was sent via Email to [protected]@netspend.com - 8 different times this incredible amount of information was verified and approved. 3 different Customer Service Representatives vowed and swore the account was open & able to use. 1 higher-up NetSpend Supervisor promised the card was reliable. THIS CARD IS STILL NOT ACTIVE! I am just wanting what is mine OUT of NetSpend immediately or my next step is an official grievance to the FTC. My number is [protected] Rhonda Claus
Desired outcome: Immediately return my money & Absolutely close this account.
This complaint has been resolved automatically due to user's inactivity.
Fraudulent activity
On Jan 21st 2023, $500 was transferred out of my account fraudulently. I never received a text alert letting me know my card had been used. I tried to use my card at the ATM it kept saying invalid pin. I then tried to log on to my online account and it was saying invalid password I had to reset my online account to be able to access my online account when I logged in that is when I noticed the money was missing out of my account. I immediately blocked my card tried to call Net Spend customer service but they were closed until the following Monday which was Jan 23rd 2023 I opened an online dispute they told me I would get an update by Feb 3rd 2023 I called on Feb 3rd 2023 to get an update and they could not find my current account. I was finally able to speak with somebody that let me know the dispute had been denied and they would send me documentation from their findings. The documents they sent clearly show my pin number had been changed, my email had been changed and my online password had been changed. This was done from a phone number not associated with me or my account and from an IP address in a different state. I called to have the dispute reopened. It was reopened and then closed again without my funds being returned. They also failed to issue my replacement card within 3 business days as promised so I was unable to access any of my money for about a week. I have asked someone from the dispute team to call me several times to no avail. They will say they tried to call but DID NOT. they lie & deceive.
Desired outcome: Want my $500 returned
I have responded to the email several times & not gotten a response. I've been promised a phone call for a week & half NO PHONE CALL & THE reps will hang up on me when I call.
Debra
Do not buy this card if you are not an American citizen! We are snowbirds and hoped to use this card for the next few years while in the states. We have been trying to activate now for over a month. Today I have been trying again and have been given the run around for over an hour so far. We have sent all the documents requested, and they have admitted they received them. We now have a bunch of money we loaded hen we bought the card we have not had access to.
Desired outcome: Dooley
This complaint has been resolved automatically due to user's inactivity.
Incorrect behavior by representative, not collecting enough information properly to complete transfer of funds.
On the date of (01/30/2023) I made a call to customer service, at (3:00 pm) and requested a funds transfer of 375.00, from my netspend card to another netspend card, the representative received all the information she asked of me, except the 3 digit security code from the back of my card of which the funds were to come from, this is not normal, as I have always been asked for that code since (2017), the transfer was completed without this vital piece of information, how is this made possible by this single representative, and not by many before her? [protected]@yahoo.com
Desired outcome: Would like an explanation of the steps taken by this representative,to be legal or whatever?
This complaint has been resolved automatically due to user's inactivity.
Card Service/ Support
I filed a dispute about unwanted charges on my car back in December 2022, they told me in an email that it will be resolved by Jan 9, 2023. It is now Jan. 30, 2023 and I have yet to recieve any eamil updates regarding said dispute. And i have become irritated because that is the card I use to pay my bills, and not having access to the money that is on my card is unexceptable! So I want them to terminate my account IMMEDIATELY! Be cause I am tired of waiting for them to do their [censored]ing JOB!
Desired outcome: NOT A DAMN [censored]ING THING!
This complaint has been resolved automatically due to user's inactivity.
Account and card services
My name is Darelle Thomas my money was stolen off of my skylight Netspend card in December 2022 nearly 2000$ dollars the have yet to help me retrieve any of my funds back they said that they would do a investigation and their investigation consists of reaching out to the merchant that’s it they never did a proper investigation they have not called me nor tried to help me [protected] ro.[protected]@gmail.com
Desired outcome: Refund
This complaint has been resolved automatically due to user's inactivity.
My complaint has not been resolved I don’t know why this company marked that
I will be pursuing a law suit against your company
Stop leaving false information I have been reaching out and making complaints since my money was stolen this company needs to be shut down
They are a bunch of liars. They never do call as promised. & never refund for fraudulent activity. If they don't refund my $500 I'm suing them too.
Disputed transactions
On 12/31/2022 I disputed two transactions. My online account shows an investigation for both disputes was open on the same exact day as I filed the claim.. Per NetSpends policy they state provisional credit for new accounts takes 20 days. Now wether that be 20 reg days or 20 business, Either way my account hasn't been given provisional credit yet and yesterday was 20 business days. My dispute isn't scheduled for another update until January 31,2023. Way past the 20 days NetSpend stated they would need to investigate before providing account holder a provisional credit. And obviously doesn't follow the policy. This is unacceptable and if NetSpend doesn't correct this issue.. I will be contacting the FTC filing a report.
Desired outcome: Provisional Credit Issued to My Account ASAP
This complaint has been resolved automatically due to user's inactivity.
My deep blue debit card
Hey my deep blue debit card was closed out for no reason at all not with a courtesy call to say they was going to closed the account. The funds was needed badly… I was on the phone with the for 3 hours trying to resolve this problem but they kept telling me my account was closed out and it was nothing the could do but send me a check so I asked could the check be expedited and they told me no…. Completely unacceptable I’ll never open a card with them again
Desired outcome: To have my check expedited
This complaint has been resolved automatically due to user's inactivity.
Locked account
So I got my taxes done yesterday and the irs deposited 2500 haven’t used the yet they locked it and fraudulent stuff on my account so they closed it with out informing me and they can’t give me any kind of explanation keeps telling me that they can send me a check I’m 6 hours away from home to pick my car from the mechanic shop now I can’t and I no way home cause they did this to me
Desired outcome: My replaced to me today in on of my other accounts
This complaint has been resolved automatically due to user's inactivity.
Metabank gift card
I bought this 'gift card' to make purchases online for my business. I use the profits from my business to buy the cards to make the purchases. So on 1/23/2023 I spent over two hours trying to activate the card that I paid $50 + the fee to buy the card. It kept coming up (when I tried the SMS code) as 'incomplete'. That was an hour's of work there for 'nothing'.
I spent another hour trying to call. Over and over again it said my card's number was 'wrong'. And, the phone kept 'disconnecting'. Finally... two hours later... I finally get the card 'recognized' over the phone as correct. Finally... it connects to an operator who demanded all types of personal information for a $50 card. I gave it over and over and over and over again; for another 45 minutes, this went on and on and on and on. FINALLY, she says she'll get the card 'activated'.
WRONG! This 'employee' says she can only 'activate' the card for a limited time and in person only! I told her over and over again I needed an explanation as to 'why' Netspend aka Metabank was doing this. She refused to give an explanation, only said... sorry.
In short, I am OUT of my profit that I need to operate my business.
Desired outcome: I need this PrePaid Card to be activated 'properly' so I can do my business ONLINE. This card is useless right now. I also need a PUBLIC Apology!
This complaint has been resolved automatically due to user's inactivity.
NetSpend Reviews 0
About NetSpend
One of the things that sets Netspend apart from other financial institutions is its focus on serving the underbanked and unbanked populations. Many of the company's customers either do not have a traditional bank account, or they prefer the convenience and flexibility of using a prepaid debit card instead.
Netspend offers a number of different prepaid debit card options to suit a variety of needs. For example, customers can choose a card with no activation fee and no monthly fee, or they can opt for a card with added features like overdraft protection and rewards points. Some cards also come with the ability to receive direct deposits, which can be a convenient way to receive payments from employers or government agencies.
In addition to its prepaid debit card services, Netspend also offers a mobile app that allows customers to manage their accounts on-the-go. The app makes it easy to check balances, transfer money, and deposit checks using a smartphone camera.
Overall, Netspend is a reliable and trustworthy financial services provider that offers solutions for those who may not have access to traditional banking services. With its wide range of prepaid debit card options and convenient mobile app, Netspend is a great choice for anyone looking for a flexible and convenient way to manage their money.
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.
Overview of NetSpend complaint handling
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NetSpend Contacts
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NetSpend phone numbers+1 (866) 387-7363+1 (866) 387-7363Click up if you have successfully reached NetSpend by calling +1 (866) 387-7363 phone number 0 0 users reported that they have successfully reached NetSpend by calling +1 (866) 387-7363 phone number Click down if you have unsuccessfully reached NetSpend by calling +1 (866) 387-7363 phone number 0 0 users reported that they have UNsuccessfully reached NetSpend by calling +1 (866) 387-7363 phone number
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NetSpend emailscustomerservice@netspend.com100%Confidence score: 100%Support
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NetSpend social media
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Checked and verified by Stan This contact information is personally checked and verified by the ComplaintsBoard representative. Learn moreOct 15, 2024
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