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NetSpend

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Pennsylvania
1 review
4 helpful votes
Follow Zia T.
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I AM TIRED OF THEM EXPIRING MY CARD EVERY 6 MONTHS! I have a card and have NEVER received the Permanent card with my name on it. WHen i go to use the card it declines. When i call NETSPEND, they tell me that my card expired even though the date on it is 2 years into the future and waives the processing fee then when i get the new temp card, it charges me a $5-8 processing fee. I've HAD IT and they won't get my business ANYMORE! DUECES $#*!ES!

Date of experience: December 14, 2020
Florida
1 review
0 helpful votes
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Fraud company
November 3, 2022

Got this card as a gift card from a friend. Trying to activate this without any social iDs and they would not allow as their ONLY INTENTION IS TO MAKE MONEY THROUGH INACTIVITY FEE IMPOSED ON THE CARD.
They keep transferring you to the IVR to reset the PIN and IVR does not have that option.

THEY ARE A FRAUD... DO NOT GIVE THEM YOUR SOCIAL UNDER ANY CIRCUMSTANCE.

Date of experience: November 3, 2022
Eric L. NetSpend Rep
over a year old

Netspend offers prepaid debit cards, not gift cards.

Like other financial companies that offer debit cards, we are required by our bank, as well as MasterCard and Visa associations, to be compliant with AML (Anti-Money Laundering) and BSA (Bank Secrecy Act) laws. Both laws require that all financial institutions verify the identity of each account holder.

This means that we will ask for your name, address, date of birth, and your government ID number during the activation process. We may also ask to see your driver’s license or other identifying information.

If you need assistance or have questions, please email social@netspend.com.

Thank you,
Netspend

Massachusetts
1 review
0 helpful votes
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Worse service!
September 8, 2022

When you have an un authorized payment coming in customer account you cancel the transaction NOT CUSTOMER CARD and then you keep customer money lock in your bank! Worse your representative offers me a new card with option to pay 25$ to have delivered 1-2 days the card or I'm waiting for 7 days for new card. Do you will pay my late fee penalties for my bills or you thing I will feed my family with grass? IDIOTS this is my money and you never should to block my access to take my money and pay you maintenance fee and fee for new card.

Date of experience: September 8, 2022
Eric L. NetSpend Rep
over a year old

Unfortunately, we don't have the option to cancel/reverse/stop card transactions. We can go over your options for accessing your funds. Please email social@netspend.com for assistance.

Thank you,
Netspend

California
1 review
2 helpful votes
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They say I'm high risk account and closed my account but are not gonna give my money back for 7 to 10 buissness days it was for Christmas shopping online they won't transfer to a Walmart card so now I have to hope I get the check in time to get my 4 kids what they wanted for Christmas it's not right I put my money on there card and they get to send my own money at their convenience they can't just keep my money never again will I deal with these robbers

Date of experience: December 10, 2019
Eric L. NetSpend Rep
over a year old

Hello,

We apologize for any inconvenience this may cause.

We process refund checks as quickly and efficiently as we can in order to give you access to your funds. The balance of your account in the form of a check should arrive to you within 7 to 10 business days of being shipped.

If you have additional questions or concerns about the process, please email social@netspend.com.

Thank you,
Netspend

Washington
1 review
0 helpful votes
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Horrible
September 26, 2023

This card always locks. Or the put a restriction on this card. Stay away from the card. Or they are always adding fees. If one card is in the negative they will restrict other accounts.

Date of experience: September 26, 2023
Eric L. NetSpend Rep
over a year old

We are sorry to hear that you are not happy with your card services. To speak with us about your concerns, please email social@netspend.com.

Thank you,
Netspend

California
3 reviews
6 helpful votes
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Scam
September 27, 2009

Scam.

This place sells gift cards... then you give them as gifts... and the company starts charging MONTHLY FEES!

They basically steal money

Great...

Date of experience: September 27, 2009
North Carolina
1 review
2 helpful votes
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Scam cards!
January 24, 2023

Wish we would have checked first! Bought a 50 + prepaid card and couldn't activate. After continuously calling customer service we were told the store scanned it wrong that since was never registered the store owed our refund. After going back to the store and having the receipt showing did go through he we go back with customer service. We've been hung up on, put on hold and lied to over & over...they blame the store...even though we have the receipts.they keep telling us to have the store rescan it again. What a joke & if I were to rob someone I'd have to answer for it. Guess companies can do it a ok.so now I'm trying to find who I can file complaints with besides the Bbb etc & maybe one day get some of our money back...BUYER DEFINITELY BEWARE...I see my same story over & over up here so I know it's an everyday thing for this company.Robbing folks who struggle just to live anyway.I hope someone curses them or something...the ripple effect this one transaction caused is not even funny & nore do they care..

Date of experience: January 24, 2023
Eric L. NetSpend Rep
over a year old

We're sorry to hear that. Email social@netspend.com with details and we will look into it.

Thank you,
Netspend

New York
1 review
0 helpful votes
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This company is built to defraud its customers. I mistakenly bought a "gift card" at Walmart last Christmas only to find that it required all kinds of verification before activation (they wanted a copy of my SS card?). After finally getting the card activated, I foolishly didn't try to use it for several months, in which time the balance was depleted by the high monthly fees. When I did try to use it, it was rejected because the intended purchase amount was higher than the balance "plus applicable fees". No idea what the amount of the fees are, but the purchase amount was below the balance (why are there fees to the user on a debit card anyway?). Then, the card was blocked for unspecified suspicious activity (I tried to log in to my account). After spending 45 minutes being passed around, I was told I needed a copy of my SS card, verification of address, and IRS verification. This is a joke, and I would laugh, except that they are preying on the weakest in the socio-economic chain. Even their customer service methods are designed for people to drop off calls. I am really surprised Walmart would do business with this company. I supposedly am going to get a check for the balance on the card in 7 business days (yeah, right).

DO NOT DO BUSINESS WITH THIS COMPANY!

Date of experience: December 15, 2022
Mississippi
1 review
1 helpful vote
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Mad as ####
May 22, 2023

I've had this card for about 10 yrs maybe. I've never really had a problem until now. I tried called them on the weekend after message's kept coming to my phone of purchases that I didn't make. Almost 680.00 with their overdraft fees that were added. So, the next day I get a text message asking I made those purchases and I told them no and they locked that card and sent a new one while proceeding to tell me that I had to file a dispute in order to receive my funds back and that they would contact me via email (never did). I called them after no response and was told to give them to the 22nd of May but still no response so, I called them to see what was going on and that's when I received a text message saying that I was being refunded 0.00 which is a crock of bull if you ask me. So I don't trust you and I don't recommend this card to anyone it's just not trustworthy. They did refund what was supposed to be 234.00 but took 65.00 for overdraft fees that I didn't do but great job of scamming your loyal customers! Hats off to ya for that!

Date of experience: May 22, 2023
Eric L. NetSpend Rep
over a year old

We're sorry to hear that. For questions about your dispute claim, please email us at social@netspend.com.

Thank you,
Netspend

North Carolina
1 review
3 helpful votes
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NEVER AGAIN
March 1, 2024

Charging me $1.95 FOR EVERY PURCHASE is theft. I put $300 on my card but after your exorbitant fees I only spent about $200 of it. Lesson learned!

Date of experience: March 1, 2024
Eric L. NetSpend Rep
over a year old

Hello Misty, Sounds like you are signed up for our Pay-As-You-Go plan. For every debit/PIN transaction or signature/credit transaction there is a fee. We do have a monthly plan that allows for unlimited card purchases. Change your plan at any time through your Online Account Center or with Customer Service. Please email us at social@netspend.com with your specific concerns and contact information so we can reach out directly to help you.

New York
1 review
1 helpful vote
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Netspend had Synina Rodriguez and Oscar Sotuyo who were Customer Experience Analysts. I provided them with documentation showing I was incarcerated, not in possession of the card and there was a restraining/ no contact order in effect with the ex girlfriend who used the card. We are not married, no joint bank accounts, she is not an authorized user on the account, and our relationship was ended the day I was arrested and the restraining/ no contact/ order of protection was put into effect and any previously rites, authorities, or agreements became null in void. As also stated in the police report. All privledges were revoked upon arrest and dissolution of the relationship. How can this not be automatic grounds for reimbursement. Also how could no fraud warnings or procedures be in place when multiple high value atm withdrawals are done in one day?! How can they have a woman call, have recordings of her voice! And allow her to order a new card to a different address then on file and send it?! This is ludicrous! And no provisional credit during the investigation? I'm a senior. Please help!

Date of experience: April 3, 2019
Eric L. NetSpend Rep
over a year old

Dear Joseph,

We understand you are dissatisfied with the conclusion of your dispute claim.

When investigating dispute claims reported by our cardholders, we adhere to the processes as defined in both Regulation E and in Netspend cardholder agreements that customers receive when opening an account.

After additional review of your dispute claim, we have confirmed that it was handled appropriately. The documentation regarding your dispute investigation has been mailed to your address on file.

Thank you,

Netspend

Massachusetts
1 review
1 helpful vote
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Disputed charges!
July 19, 2021

If I could give them no stars I would. At first they were really helpful. Now they have locked my account and I have no way of getting the rest of the money that is owed to me. $#*! NETSPEND

Date of experience: July 19, 2021
Maryland
4 reviews
0 helpful votes
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SOMEONE WITHDREW MONEY FROM MY ACCOUNT AT ATM AND NETSPEND DIDNT CARE. ACCOUNT CLOSED THEY NEED TO UPDATE SYSTEM USING CHIP AND THEY REFUSE MAKES ME FEEL AS IF THEY ARE WORKING WITH PEOPLE TO STEAL OUR HARD EARNED MONEY VERY UPSET AND NOW HAVE WAIT FOR NEW CARD AND HAVE NO ACCESS TO MY ACCOUNT OR EMY MONEY

Date of experience: November 20, 2020
Eric L. NetSpend Rep
over a year old

That doesn't sound right. Please email us at social@netspend.com so that we can look into this for you.

Thank you,
Netspend

Idaho
1 review
0 helpful votes
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If I could give zero stars, I would. This is the worst absolutely worse prepaid credit card that you can use on the earth. They charge you for every transaction and if you go online to buy things, they will shut your credit card down and sometimes they won't even issue your money out at all after they shut your credit card down. They are always putting restrictions on the card if you buy things online and you cannot overcome that you have to call in and if you have more than three times that you bought things online they will suspend your card for ever they say they're going to send you your money but this is the second Netspend prepaid card. I've had the first one never sent me my money back. I'm praying that they will send me my money back this time because it's almost $400. That I put on there to buy my grandkids Christmas presents so it's totally ruining the Christmas season this year because I won't get the money back for 7 to 10 business days minus of course the holidays as well. Please do not buy this card. It is the worst ever.!

Date of experience: December 22, 2022
Eric L. NetSpend Rep
over a year old

Our records show that an agent from our Corporate Office has reached out through a previous review. If you have additional questions or concerns, please email social@netspend.com.

Thank you,
Netspend

Colorado
2 reviews
0 helpful votes
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When my son was 17 years old (two months ago) he was sold a net spend debit card by a company called Kum & Go a local gas station/convenience store. After my son paid 80 dollars in cash for the card, he tried to use it but it did not work. After calling Net Spend, he was informed that he needed to input his social security number to activate the card. He was also informed that he could not use his social security number because he was not 18 years of age. When he tried to return the card to Kum & Go, a seller of the Net Spend product, we was told that he could not and that he would have to get it sorted out with Net Spend. When he called Net Spend back to get a refund, they informed him that he needed to find someone over the age of 18 to activate the card for him. Now that he is 18 years of age, Net Spend will not activate the card without a copy of his drivers license and a copy of his social security card. This is how I came to find out about the situate since my son does not have access to his social security card. This debit card should never have been sold to a minor! How can you get away with selling something to some that they cannot use and then not let them return it for a refund?

Date of experience: March 1, 2021
Eric L. NetSpend Rep
over a year old

We're sorry to hear that. It is up to the merchant if they will provide refunds on prepaid debit card purchases. We are happy to look into this. Please have the cardholder email us at social@netspend.com.

Thank you,
Netspend

South Carolina
1 review
0 helpful votes
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Idiots
December 26, 2023

I hate them. I'm former military, I went war against the Taliban. They think they're slick. Why I can't transfer my money to were I need to transfer it. $#*!s

Date of experience: December 26, 2023
Eric L. NetSpend Rep
over a year old

We're sorry to hear that you are having an issue. For assistance, please email social@netspend.com.

Thank you,
Netspend

Illinois
1 review
0 helpful votes
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Straight to the point. They charge you for purchases, ATM, PIN PURCHASES, CHECKING YOUR MONEY, HELL IF YOU SNEEZE LOUD WHILE HOLDING YOUR CARD, THEY CHARGE YOU. THEY ARE THIEVES, TAKE YOUR MONEY YOU WORK YOUR A** OFF FOR. COMMERICALS BE LYING THEY A** OFF THEM ACTORS THAT BE ON TV SAYING ALL THAT CRAP ABOUT IS PAID LIE. BE SHAME

Date of experience: September 10, 2021
Rhode Island
1 review
0 helpful votes
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My card was canceled
August 14, 2021

After 6 years and direct deposit my card was canceled without notice I was very happy with my card… they said it was fraudulent activity as if I did something with a prepaid card!

Date of experience: August 14, 2021
Eric L. NetSpend Rep
over a year old

Hello,

We're sorry to hear that. We can see what happened with your account. Please email us at social@netspend.com for assistance.

Thank you,
Netspend

Canada
2 reviews
0 helpful votes
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I was on the phone for 1 hr and 45 minutes trying to activate this. Then they put a red flag on my account to where I could not use it because I live in Canada. Pulled my personal info from credit files without my permission. All for a birthday gift sent to me from my parents. I ended up canceling. Then they wanted to send the funds on the account to said Canadian address that they had the issue with in the first place. Customer service are clueless. They won't answer questions that are asked. They read from A script. Give a runaround. Keep you on hold for hours. Refused to send me a confirmation of cancellation Email. They are janky at best. Then after talking to a rep. She put me on hold and bam, I'm back at the recorded menu for when you call in. So I then am talking to yet another rep. Requesting A confirmation email. Then he tells me that they are sending the check to my Mom's US address with my name on it. I just soent 45 min. Talking to the other rep to get that changed. What good will a check do her with my name on it? I don't care if they send it to me or her at this point. I just want to get her money back. I asked them to send it to her with her name on it. If they send it to me, put my name on it. How hard can it be?! Or better yet, credit the account back (you know… a true refund) back to the card it was purchased with. Waste of time. No resolution. I'm honestly angry beyond words.

Date of experience: June 19, 2022
Eric L. NetSpend Rep
over a year old

We're sorry to hear about your experience. Netspend offers prepaid debit cards, not gift cards.

Like other financial companies that offer gift cards, we are required by our bank, as well as MasterCard and Visa associations, to be compliant with AML (Anti-Money Laundering) and BSA (Bank Secrecy Act) laws. Both laws require that all financial institutions verify the identity of each account holder.

This means that we will ask for your name, address, date of birth, and your government ID number during the activation process. We may also ask to see your driver’s license or other identifying information. Users are required to provide their permanent residential address in the US and our cards are only available in the US.

To speak with us about your concerns, please email social@netspend.com.

Thank you,
Netspend

New Jersey
1 review
0 helpful votes
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WORSE BANK
March 23, 2020

They are the worse company, i needed to transfer money from my savings account to my checking account I was aware of only 6 transfers being able to be done within the month but when i called last week 3/18/2020 they told me I had one more transfer available if i needed to transfer any additional money out (not informing me of the consequences). Today 3/23/2020 I called to transfer money because my account overdraft, I understood there was an overdraft fee after 24 hours if not depositing money into my checking but when Amy the girl i spoke to on the phone today actually explain to me the consequence of my 7th savings transfer I was very upset, furious and overwhelmed! (7th saving transfer follows with a cancellation on your saving account for a 90 day period). She had the audacity to tell me to go to a bank or a chain store! With the corona virus going on and many many places not opening she refused to help me further. I had no choice but to close my saving account due to the lack of information giving to me by one of their colleagues. I begged her to help me but she refused to look for any kind of alternatives. I explain to her this wasn't my fault this was the companies fault for not communicating well with their customer yet an apology wasn't even given to me all she said was for the future we will make sure to inform our colleagues as if the future would be any help to my now. It is unfair and ridiculous how customers need to suffer the consequences for the lack of professionalism and accuracy of information given to us by NET-SPEND!

Date of experience: March 23, 2020
Eric L. NetSpend Rep
over a year old

Hello,

The limit on savings account transfers is a federal regulation that we are required to follow. We apologize that information about these limitations were not provided to you.

To speak with us in more detail about your experience, please email social@netspend.com.

Thank you,
Netspend

Overview

NetSpend has a rating of 1.4 stars from 435 reviews, indicating that most customers are generally dissatisfied with their purchases. Reviewers dissatisfied with NetSpend most frequently mention customer service, social security and debit card. NetSpend ranks 15th among Debit Card sites.

service
212
value
208
shipping
37
returns
41
quality
199
This company responds to reviews on average within 1 day
+82