Netspend

When I fisrt started using netspend for my dd i was getting paid 2 days earlier. For the past couple of months it changed to a day earlier.

Okay.... NOW TODAY 12/14/2017 I CHECK MY CARD AND THERE IS NO MONEY. EVERYTHING WENT THROUGH MY EMPLOYERS END AND IM NOT THE ONLY ONE HAVING THIS PROBLEM CLEARLY CONSIDERING IN OTHER REVIEWS COMMENTS!!!!

FIX NETSPEND!!!! US CUSTOMERS PAY FOR YOUR *** SERVICE!!!

NetSpend claims to break down barriers and empower you to manage your money, your way, giving them access to innovative payment products offering convenience, security, and freedom to do more with their money. Instead of offering convenience, they made it difficult to assist me with my concerns about theft, never giving me any assistance in obtaining any information related to activity on my account.

During the time my account was active, I was never aware that right after I opened my account, someone hacked my NetSpend account and changed my email to someone else's, therefore never being notified. They never attempted to send me a written notification or alert of such activity to my physical address, which is one of their verification questions, and seldom was I ever asked for my email for verification.

To verify your identity, I was always asked to provide my full legal name, final numbers on my card, birth date, and last four digits of my social security number. On rare occasions, I was asked to verify my email.

I had a Direct deposit that was credited to my account July 11 and I have not received this due to a fraud alert on my account. I have submitted proof of address several different proofs however, my account was not restricted, and I was unable to access my funds, The account was closed, but I have not received my refund check. I would like my money to be electronically into my bank account cause someone please contact me so we can get this process started and I can receive my money

Without my knowledge and much confusion some one had changed my email right after opening my account resulting in never getting notifications of activity to indicate that there was anything wrong.

Although I suspected something was a miss I would call to express my concerns and I would never would be told if they could see anything suspicious. This would leave me questioning my state of mind for things where not adding up until when the day came that I was on my device looking at my account waiting for my direct deposit get posted and at the same time on the phone with NetSpend trying to submit a dispute.

Where things got very concerning when the representative made a slip of the tongue and before she knew it had told me that there where some issues and that one of them could be do to the multiple transfer to my other accounts.

I replied what do you mean I haven't been transferring any of my money to any other accounts for I only had opened one account with NetSpend. Once she noticed she messed up and tried to transfer me so I could submit my dispute to resolve what was just brought to my attention, only to be disconnected. At the same time my funds appeared $2,313.55 and another for $900.00. Being mad after I got hung up on and not wanting to go threw the process and have to repeat my self all over again.

I decided to cool down and go pay for my hotel room and get something to eat and once I got back to my room I was about to make an appointment to purchase a vehicle and decided to check my balance first just to find out I had no more money. I call to find out what was going on just to be told that my account was closed do to suspicious activity and they couldn't tell me anything and after a year I was given a portion of my money and here I am 4 years later still trying to recover my money and that ain't all but I feel I have said enough for now.

I currently have a NetSpend account and I went into one of their partner locations to scan on my phone and load cash. Although I got a receipt indicating that the transaction was complete, NetSpend has been giving me the runaround for almost 2 days now.

They don't know where my money is, there's no transaction, no nothing. Walgreens, a partner location, stated that they don't give refunds and that the transaction went through. I'm now in a fight with NetSpend to retrieve my money because they don't know where it is and I have to file a dispute. What was supposed to be resolved in 6 hours, turns into 10 days, then 30 days, and now 90 days.

It's like they don't want to give me my money. If I could give them zero stars, I would, because they are offering the worst service I've ever experienced with banking in my life.

I received a text alert that my account was compromised on 6/16/2024. I called customer service and they advised me that I am no longer allowed to transfer funds from or to my account because someone called pretending to be me to access my account on 6/14/2024 from a number with a 407 area code.

I asked if they have a recording of the call and was advised it was through the automated system, but they did not gain access. I was forced to change my log in, security questions, etc., all for a call that did not access my account. They canceled my card and expedited another one to be received on 6/18/2024. I received my card delivered from FedEx when I got home from work.

I logged in to activate the card; there was an error message on the login page stating there was an error with my account. I called customer service, was transferred to the fraud department after 15-20 minutes on hold to lift the block. I got on the line with someone in the fraud department, who said she needed to hang up and would call me back within 2 to 5 seconds because they had to verify the number. I hung up and waited 5 minutes for the call back that was supposed to be immediate.

The call back was not received. I called back, spent another 15-20 minutes on hold to reach the Fraud Department again. After spending over 2 hours on the phone on Sunday trying to get the issue resolved, changing all my information, and making two attempts the day I received my card to speak with the fraud department, I was forced to change my login again. They canceled the card that I just received that day that I was calling to activate, just to send me another expedited card.

I asked the guy why he was sending a new card when I just received the one that was sent and it had not been activated or anything. The guy said that there was a restriction on my account from the incident on the 14th. I advised him that I had spent 2 hours on the 16th to have the issue resolved, they sent me a card that I received on the 18th that I am calling to activate just so you can cancel that card to send me another one. How does that make sense?

He became rude (I admit I was aggravated as well, but I had a valid reason to be) and said he could not assist me and customer service could assist me further. He transferred me to customer service, I explained the situation, the rep said that she would transfer me to another department that could activate the card that I just received. I advised her not to transfer me to the fraud department because that's where I was just transferred from. She stated she would not transfer me to fraud, but a different department that could override the blocked card and activate it.

Lo and behold, she transfers me back to the fraud department just for them to transfer me back to customer service and I was transferred to the correct department to unblock/activate the card. Finally got to the correct department (this rep was genuinely trying to assist me). After explaining the whole situation, he submitted a request to unblock/activate the card.

I waited 15 minutes just for him to tell me that because the fraud rep I spoke with when first calling to activate the card made me change my information, the card could not be unblocked and a new card would need to be sent... smdh.

I know that call center is a hard job. The people who work in them are smart and tough.

99 times out of 100, a bad customer service experience is the fault of the boss, and that's been the situation over and over again here.

I applied for one of Netspend's prepaid debits (the HEB debit card), got approved, the card was mailed to me, and then a few days later I got an email telling me to call them. I called and they informed me that my account had been closed and there was no possibility to appeal or to hear an explanation.

Frustrating, but so far so good. Netspend is notoriously hair-trigger about closing accounts, that's their right. And I didn't lose any money out of it.

The annoying part is all of the wrong answers I got when I called them to discuss. Here are some things they said, followed by the real answer:

Their first answer: You are banned from all HEB services.

Real answer which they told me later: You are banned from all Netspend services, not HEB services.

Their answer: Your account was closed due to suspicious activity on your account.

Real answer: That's impossible because I never used the account. I never added or removed money or linked any accounts. The card was never activated.

Their first answer: We do not have a risk department.

Their second answer: Okay, we do have a risk department.

We will have them call you on x day. (They didn't call me on x day.)

Their third answer: Actually we don't have any notes here that says that they would call you.

Their fourth answer: I left a bad review on Trustpilot, then FINALLY they followed up and let me speak to the risk department. They tried hard, but their job was clearly not to evaluate or explain anything, it was to read a single sentence that had been given to them. I asked whether the decision to ban me was based on a consumer report such as a credit report or ChexSystems, but they refused to answer.

Their first answer: We can't tell you anything without your card number.

(I'm still waiting for my card in the mail, and maybe it won't show up.)

Their second answer: Oh, for certain questions we can answer.

Their answer: We can't reopen an account once it has been closed.

Real answer: I know of someone whose account was closed and then reopened. Maybe it's not possible anymore, or they just meant it wasn't possible for me. Still sketchy.

This all leaves me with the sense that you have to be pushy to get any kind of results. This is unfair to the call center representatives because it means that they will have to deal with people who are being rude because it's the only way to get anything done.

It's also unfair to the consumers because not everyone has that "Karen"/"Ken" energy.

Netspend, just be transparent with people about what's going on with their accounts. I promise things will go better for you if you do.

More problems:

At first, they said that my account had been banned for suspicious activity on the account. When they got back to me today, they had changed that story to a generic list of three broad meaningless categories. The original "suspicious activity" is pretty unlikely, because there was NO money going in or out of the account and no accounts being linked/unlinked.

I hadn't even received the card or activated the account yet! They also said that they couldn't give me any details of this "suspicious activity" for my own protection. That's ridiculous; if there is suspicious activity on my account, then the best way to protect me is to let me know what that activity.

I should also note that, before I applied, I emailed customer service and they said my application should be fine. Some more bad training there.

Since this experience, I've been reading more experiences of unexplained shutdowns so maybe it's for the best that I was denied from the get-go.

Your money is not safe with them.

My recommendation would be to drain and close all your Netspend accounts, slowly so they don't get mad. If you can't get a bank, sign up for a fintech like SoFi/CashApp, a prepaid like ONE, or an online broker with bank-like featuresf like Fidelity.

A lot of these Netspend cards charge hidden fees anyway.

If you do deal with them, take screenshots of everything, save all your account info somewhere so you can consult it after they lock you out, record all your phone calls if it's legal. They will screw you any way they can.