I have had my netspend card for over 3 years with direct deposit.
At the end of May I went to Miami to visit my mother who was in ICU with a terminal illness.
While on my visit there I used my card at a well known restaurant to pay for the bill. Two weeks go by and all is well and my check gets deposited into the account on a Friday. That Sunday I go to use my card and find out that someone has drained all of the money out of my account. I contacted Netspend right away and did everything they asked me to do.
I faxed them the dispute letter, police report as well as a notarized affidavit. They told me I had to wait 10 days for resolution. Today I get a letter stating that they are returning all of my money except for 50.00 for each claim. They made me file 2 claims because not all of the charges had cleared in my account.
So they are keeping a total of 100.00. When I called the number to dispute this I get told by the lady who can barely speak english that there is a 50.00 liability and that I need to be more responsible with my card. So in essence I was stolen from twice.. once from the thieves who stole my card info and second from netspend.
I in no way violated their terms and conditions. I didn't leave my card somewhere irresponsibly and I didn't give my pin number to anyone and I did report it within 2 days of when the card was compromised. I also did everything they asked me to do and sent them all the requested documents. I was told over an hour ago that I would get a call back from a manager..
but realistically don't really believe they will be calling back. I will be presenting all of my documents to my attorney tomorrow and this is definitely not he last they will hear of me.
Product or Service Mentioned: Netspend Account.
Monetary Loss: $100.