Since July of this year I've had over $2000 taken out of my account without my authorization, I wasn't alerted but a total of three times after unauthorized transactions were let through they put a restriction on my account in July I had over $500.00 still in my acct from my direct deposit from Social Security Disability. I was given one option prove my identity, I was confused because they have never once asked for any identification so how can they prove I'm me?! I want to know?! So after July passed my August deposit also was frozen, I had to apply for a new ss card wait two weeks for it, when it arrives I call NetSpend to give them my iDS they never asked me for them just said oh I'll lift the restriction, and minutes later $1392.00 was unauthorized by taken and used several different cards virtual and past ones that were suppose to have been blocked, and obviously weren't, I'm still trying to get the rest of my money $500.00 they have, after being told my information was not correct my email was changed, my secret questions answers were wrong, total sickness, I was told they couldn't do anything about it I needed to hang up and just call back, refused to let me speak to management. I turned them into the Federal Trade Commission When that happened at that time they still had my $1392.00
Two different women I spoke to both named Ashley from corporate after the trade commission reached out to them, they acted so helpful promised things, I was even promised from just a supervisor that netspend would help me pay my bills I got behind on and give me money because that's what they do, Need to say that was when I found out That NetSpend Corp Were The Ones Who Transfered $500.00 from my acct not 12 hrs after I finally received my $1392 they just gave my money to a random person didn't think it was worthy to ask me if I authorized the transfer, so they were saying whatever they could to sound like they weren't the criminals stealing my money, And Corporate Both Ashley's Have Never Called Me Back And Have Not Answered The Number I had Spoken To them On, kinda Shady, Kinda Obvious they are hugs THEIVES, THEY WONT GET AWAY WITH IT, THEY TOOK MY GOVERNMENT MONEY, MY BENEFITS SO THEY WILL HAVE TO EVENTUALLY GIVE MY MONEY BACK AND HOPEFULLY MORE. DONT I BEG YOU LET THEM TAKE YOUR LIFE EITHER, RUNNNNN I have attached my proof in pictures

I purchased this prepaid and reloadable card last year in 2022. I thought it was great because I just loaded the money on the card that I wanted to spend without it dipping into my bank account. I did not have any problems with this card until it was cancelled without my knowledge. It was just cancelled recently on 4 SEP 2023. I did not know it was cancelled until I went on line to check the balance and I got an error message stating the information you provided does not match our records. So, I called the number on the back of the card to find what was going on, and of course like all the other complaints list against Netspend, I got a non-English speaking representative on the phone. I could barely make out what she was saying, and I had to ask her several to repeat what she was saying. From that conversation I was told by the Rep that account was cancelled due to high risk purchases. I then asked the rep if she could provide me the information on those transaction, so I could validate whether or not they were fraudulent. The answer was no they could not tell me. Then I asked if I could just get a replacement card, because I just loaded the card with $400. The REP said no, the account was cancelled and that I would never be able to have another account with Netspend. Basically, I was penalized for High Risk transactions, but Netspend was unable to tell me what they were. The Rep then stated that I would get a refund check in the mail for $400 in 20 days. I then contacted a supervisor from Netspend to find out why the card was cancelled and to get information on the High Risk transaction. It took the Rep almost 40 minutes to find a supervisor, and once the supervisor got on the phone I asked the question again about the High Risk transactions could he tell me what they were so I could validate. His was no, because the transactions were not listed. I then asked how did they come to the conclusion to cancel the account because of High Risk without access to these transactions. He could not explain himself, and everything he did justify such actions were full of suspicion. When I told them I was going to expose them for unethical business practices the supervisor did not seem really care. Now I know why he did not care because I have seen all the horrible reviews on this company and it is apparent they do not mind that thy look like crooks taking peoples money and shutting peoples account without notice. Please note avoid this shady business do not get a Netspend card, and here is the reason why if you are on a trip and you were looking to use this card and did not have any extra cash you will be stuck in hard place. This company does not care about its customers, and from the reviews I have read, which are quite consistent they also like to take the people's money as well. This company needs to be on the blacklist so it can be shutdown and put out of business. I will be waiting for my refund and if I do not get it I will notify the Better Business Bureau and Fox news trouble shooter to crack this hustle wide open so every one in the public can see just how crooked this company is. Patriot Pitbull

I have used netspend since 2006. Since 2018 i have paid my pills ( especially credit cards when i bought my house) each month around the same date. For the last 4 months when i go to pay my bills my account gets locked and i have to call and unlock it. Had a 2 1/2 hour phone call and several supervisors involved and every "reason" they gave was contradicted by other things they would say. Whn the realized their BS answers had backed them into a corner and they STILL would not answer my questions i was "transferred" and after 8 minutes of silence they disconnected and i had to start all over again.
A quick overview of the points they made.
1 stupidvisor clearly stated they do not to inform me of anything they do with my account or changes to my account. After i educated him on how banking works. They hold my money. I purchase things with the card provided to access my money and they send the money to pay for the purchase out of MY MONEY they are holding.

Was told no changes to policy had been made then they stated all transactions to financial institutions were "always flagged" yet since i got my credit cards in 2018 and started paying them each month that had not happened until 4 months ago but no changes had been made to policy.
Then they said they made changes to improve customer service to keep the customers account safe. I informed them i get their text messages that inform me of every time my account was used and if i had i problem I would be the one to inform them and i do not need their permission to use MY MONEY.

They offered to stop the text notice to my phone asking my if i made a purchase but admitted they would STILL lock my account anyway because the system did it. (so i would not know they locked my account and i would have to call and find out why when a purchase didn't go through)
Was again told the "system" did it automatically and "they" would unlock it after "they" reviewed my account. When i asked exactly who "THEY" were i was finally told the fraud department but then they went back to saying it was the automated system that did it.

When i informed them i had not had any fraudulent purchases in the last 2 years so their was no need for the fraud dept. to be handling my account they said the fraud depart. Was not involved in it and the automated system was the one flagging my account.

They would try saying the same crap just worded differently but still every statement contradicted the other.

Save yourself the trouble do not use their services. I am making arrangements to have my direct deposits transferred to a local federal credit union (after using them for all these years)that i also bank with and have since 2001 for a savings account.

I've also had my account for over 10 years but I just had fraud done yesterday when I noticed a purchase for $0.94 from some weird company called " damn good stuff" this was charged to the only card I have active so I immediately called and the agent actually tried to convince me that it probably wasn't fraud since it was also released/cancelled right away too. She said she thinks it's just a Third party merchant who mistakenly charged it and then cancelled it …. I questioned her over and over and told her it seemed to me someone was just testing the waters to see it if would work bc I also looked up the company and can't find anything about them … I decided to just order a second card and once I received that I would cancel my active one to be safe … the. Today I get a text from netspend that someone just tried to send a CASH APP of my total balance in my account and wanted me to reply yea or no if it was me smh.thank God I saw this and texted back NO! And then it said it was putting a fraud block on the card. However I realized that the text about this new cash app was a different card that I do not have! I try to login into my online account and it suddenly says my password is wrong so then I call and it says my pin is invalid smh.I finally got through to an agent who helped me reset my password and Lon on my other debit card it. She informed me that there was a VIRTUAL CARD.added to my account today and that's the card that they tried to send a cash app with! I was furious bc I didn't even know that was a thing in the first place! So she closes that card and then convinced me I'm okay.:THANK GOD after we hung up I still went back into my o line account and then noticed that this person went BACK into my account AFTER changing the password and this time changed my security and transaction alert to their phone number and to some bogus fake email as well making realize they were about to try this again and now when netspend sends a text to get authorization, it would have been to them! I called back only for the agent to not grasp the situation and continue to offer to freeze my card … I tried to explain over and over that the card doesn't matter and NOW that they e been in my account they also could have recorded my routing and account number too so now I don't feel safe even after changing it all. Their suggestion was for me to go to the store and buy a new card and then activate so it'll have a new routing and account and then can transfer my money it … I once again flipped trying to explain that does not help me in the meantime and I need a way to freeze the entire account and not just a card! I finally got so frustrated that I just hung up and came up with my own plan to just clear all the money out of my account and get it on another card/company bc I can at least sleep knowing that if they do still have access that now there is no money so I don't care! But this all happened in the last two days and I'm furious. I have had the same routing and account number for 11 years and now have to change everything. But im very close to just closing the whole account and be done bc if the scammer tried to put through a lower amount it probably would have went through and then netspend never give me my money back and I also yelled about " why didn't I get an email telling me about the changes that were made to my account!?' Instead she suggested I continuously check my account to prevent it smh like I need to login every 19 min forever to make sure no one is stealing my money? Cmon now man smh!I'm happy to have the money removed but still sooo pissed netspend could care less and the employees have no clue what they're talking about and I honestly think the first one from yesterday could be a part of the fraud after trying to convince me the first $0.94 charge was fine smh

They get your money then block the card. Don't use this company. SCAMMERS ALERTTTTTTTTTTTTTTTTTTTTTTTT

I had all my belongings stolen while I was admitted into the Hospital for a heartattack. I didn't know that my son's ex drug addict girlfriend was there when I was admitted. After spending 13 days in ICU I was released to my home. When I got home my house was robbed. I called police. I filed a Report. $50,000 lost later I received a call from the police that my son's ex was trying to forge and cash one of my checks. When i got there i did ID her and had her arrested. She still had my phone and ID on her. I was given back to my phone by police. I used MY phone that was recovered by police to file my FRAUD claim with Netspend. Since she broke into my home she had access to ALL my documents and passwords she needed to get in my accounts. Netspend is saying they denied my 1796.00 claim because I used MY phone to file the claim. Not one merchant I spoke with said the Netspend ever verified these charges. She thought I was going to die, but she still covered her tracks. She used all my cards to transfer in and out money so to look like I was doing it. I submitted to Netspend my police report and proof I was in the hospital those dates and they are still denying my claim because my stolen phone was used in the commission of a crime. I have wrote all the way to the president, but he just keeps having these people call me to tell me my claim is denied. They do not investigate claims. What I did not tell the president is I am a quite well known actress. I am going to take my voice and make people aware just had bad Identity Theft is and how these credit card companies say they take fraud seriously are all a bunch of liars. I have a Netspend card to send money to my granddaughter and my mother in law. I can get credit cards, but Netspend was convenient. Please if you are a victim of fraud and your credit card company won't payout your claim contact the FDIC. They want to know if the banks they are insuring are not paying out victims of Identity Theft when those victims have concrete proof they are victims. Needless to say. I haven't heard from my drug addict son since January 27th either. So I am almost positive my only child was involved as well and that makes this even worse. I am a victim and I am the only one suffering. I had to cancel everything and I barely have access to funds. I am disappointed and disgusted with Netspend.

I was a loyal customer for over a decade, would be the one to preach about netspend but that all changed last week when I tried to get money out of an old account but could not access it because they blocked my card, not being used for almost 7 years they blocked the account but continued to allow direct deposits to go in to it. So when I found out I was getting money sent to this account I have not used in 7 years they would not send me a new card or transfer the money to my new netspend all access account. They said because it was in my married name that it was fraudulent activity even though I sent them everything they asked for. Then they said they were able to unblock my account but not transfer my money but charged me $25 to send me a new card in 1-2 business and after 5 no card still. So I called them back yet again and still no help. So I told them to send the money back to the company who sent it so they can send it to my updated account. So they did then told me it would take 20 business days to be sent back to the company. A TOTAL JOKE! If there has not been any activity since 2016 why did this "bank' allow a company to send a deposit 3 times in 2022? Then ask me for all of my personal information including to upload documents of my ID SS# and a letter with my current address just to deny my verification and close my account? So, I reported them to the BBB with proof of this. They must have gotten the message that I reported them then they closed my netspend all access which I have had for years and told me they closed it due to "fraudulent activity, suspicious activity and not able to verify identity" LOL! So I still dont have my $355 and then they closed both accounts, one in which I was still using and getting my direct deposit. With all this being said, PLEASE DO NOT USE THIS SO CALLED FRAUDULENT BANK!

I have a Netspend account since mid 2019 for over 3 years. I had received a Netspend hybrid bank account within 1 month of having a Prepaid Netspend account and had the Hybrid Netspend bank account for 3 years. I never had any issues with Netspend and even though the bank account had fees for various things and there was daily limits of cash withdrawal or depositing cash into the account, i did not mind the fees for the flexibility of depositing funds and withdrawals were more convenient than a traditional bank account. I never had never experienced any issues with Netspend until yesterday when I got a random email that had stated I needed to contact Netspend customer service. When calling, the first representative did not understand what was happening and could not explain the email and referred me back into the calling queue. The second representative then needed to again verify my information and then after some time of a long hold, had come back and randomly stated that Netspend had Closed my bank account "stating some sort of accusations of it violation FDIC guildlines" and some sort of false accusation of it having suspicious activity. The representative stated I would no longer be able to have a Netspend account or have access to my online Netspend account. I wanted to do a dispute about the fact that Netspend had randomly closed my account and didn't explain what was happening to any of my remaining funds in my account, nor give an accurate reason for RANDOMLY closing my account for no reason, especially after me having an established Netspend account for 3 years WITH NO ISSUES, nor calls or reference of suspicious activity or anything otherwise. I found all this to be very ridiculous and random and extremely inconvenient since all my bills and monthly subscriptions and everything was linked and tied to my Netspend account. I also found the fact that NO CLEAR EXPLANATION, NOR VALID REASON OR PROPER PROCESS was done nor established in terms of netspend randomly closing my account as to prevent this inconvenience and improper reason with no valid proof given by netspend. I would have before given Netspend a 5 star review for the 3 years of account service with fees but no major issues in terms of service. But after this EXPERIENCE, I found other customers need to be advised about this process that occurred by Netspend so they think twice when considering to get a Netspend account due to Netspend possible closing their account even after years of them establishing it randomly and with vague unvalid reason and explanation with no proof as to avoid the head ache and inconvenience. It is not worth the head ache to get the Netspend prepaid card nor Netspend hybrid bank account account card. BEWARE, NETSPEND MIGHT RANDOMLY CLOSE YOUR ACCOUNT WITH NO NOTICE. I DO NOT RECOMMEND GETTING AN ACCOUNT FROM NETSPEND

This review's title was absolutely the final aggravation with this card for me.

To stick to the main point,
6 years with this god forsaken headache called Netspend, and my card kept getting "LOCKED".
- both online and offline
- they claim it was "suspicious activity"... blah-blah-blah... & the lock was FRAUD PREVENTION blah-blah-blah... etc etc...
- the customer service phone call YOU MUST MAKE to get the card "UnLocked" is PATHETIC.
- I asked (approx 2 hours ago) a NetSpend Customer Svc Agent where they were and all they would reply is that the company is in Texas... I had to make 3 calls to speak with 2 Cust Svc Agents, suffer nearly 1.5 hours ON CRAPPY CALLER ON-HOLD MUSIC waiting to speak to somebody in total (includes the 2nd call which I gave up on cuz I had to use restroom and I refuse to take my phone into the restroom as a personal practice). The 1st Cust Svc agent I spoke to had a distinct middle eastern accent but when asked would only say the company was based in Texas, and the other Cust Svc agent had a can't miss carribean accent (think Jamaica or Bahamas) and gave the same stock reply as the previous one. They are obviously online remote workers (cyberagents) who probably work for an online call center type outfit that farms out the calls to work-from-home folks. And it shows. I have a Samsung S21 which has excellent audio and 1st-tier ($$$) phone service and calls to those folks sounds like they have their phone in a bowl of tomato soup half the call... On top of that what little you can hear you can make out like the person is not at a real office, scraping & scratchy type distracting noises, like you hear when talking to someone who has their phone crooked between thier chin and their shoulder while multi-tasking something else... it's REALLY ANNOYING... so that inevitably you can BARELY audibly make out what the Cust Svc agent says, compounding an already present harshly-accented-english --- If you are reading these reviews on the fence about whether to get a card, BEWARE - YOU HAVE BEEN WARNED... I truly do wish I were making ANY of this stuff up,,, but sadly I'M NOT... It's all TRUE!

And I'll wrap this up just by reminding the title of this review that if you happen to use a VPN service ((( I use ProtonVPN and it's great, along with ProtonMail also great - a really much better user interface than free services ur already familiar with, and it's dirt cheap when you realize what ur actually getting in return for the few coin it costs... ah, but I digresss... lemme get back on track...)))

Those BOZOs don't seem to respect that VPN's a commonplace now. Not only are they advertised all over the place in all mainstream media, VPNs are built right into Windows Operating Systems...

But yet they have the audacity to give you an ultimatum that you MUST log-in to NetSpend.com from a PC with VPN turned OFF or the log-in attempt will fail and YOUR ACCOUNT WILL BE LOCKED, ***IMMEDIATELY*** and a phone number will be displayed onscreen YOU MUST CALL TO THOSE INCOMPETENT BUFFOONS TO GET IT "UNLOCKED"... etc. Etc. Etc... 100% pure truth...

May god watch over your soul, whoever you are who dismisses what you just read as some drivel posted by some guy who sounds like in real life he is the type of neurotic misfit in Woody Allen movies back in the day... I promise you I do not look anything like Woody Allen and I am a level-headed competent smart and fairly stable well grounded person, probably like you may be yourself...

good luck to you... and just know somebody TRIED to tip you off...

I'm a REAL person,,,,,,,, and NOBODY PAID ME A DIME... have a good day!...

I've been a customer of Netspend since 2015. There customer service has always been bad but now it's just TERRIBLE! I Lost my job in May of 2022 and my last deposit and transaction was in June 2022. I recently started a new job and got my first deposit yesterday Sept. 9th, 2022. When I attempted to use my card, it kept declining. Luckily I was able to use move money to my husband's account until it said I reached my limit. When I called customer service, the lady stated Netspend deactivated my card due to a claim "I submitted" due to fraudulent activity. I never submitted any claim and she couldn't even tell me what fraudulent occurred. She said she would order me a new card but it would take 7-10 business days. I asked because this is clearly a mistake on their end if they could expedite the order, she said I would have to pay a 25 dollar fee to expedite it. There was no empathy, no customer service, no understanding. Then there was the issue of accessing my money. She said she could transfer all the funds but again it they would charge me a fee. Again, I told her I shouldn't have to pay a fee for their mix up, plus I am able to transfer money thru the app but they have to extend the limit and I could do it myself without any fees. She put me on hold several times and when she came back she said I needed to call CASH APP to get the funds transferred. I had to explain that AGAIN I was referring to and using the Netspend APP, I don't even have cash app. Finally she understood after 30 minutes and I asked her to hold a few seconds while I transfered the money, while logging in, she unmuted her line and said I could call back and finish my call/needs after I transfer the money. I told her absolutely not, it's only going to take a few seconds (she should know) and I needed her assistance of it didn't work. The customer service from Netspend is awful, I use to recommend it to everyone I knew and now because of these, I am changing my family over to Chime and a real bank, so they will be losing 5 customers from this house hold alone, plus my siblings and friends once I tell them about another horror story in dealing with Netspend. After being a customer since 2015, it's sad they don't even care about their customers. It's their lost! I was forced to give one star because the system requires it but I wanted to leave ZERO STARS! THAT IS WHAT THEY DESERVE!