Amazingly my account is overdrawn almost 500.00. A merchant swiped my card that came up declined. I then paid with cash but it was pending on my account for 8 days. I then called customer service and the charge was reversed. Now somehow I'm overdrawn. I have no idea how that was even allowed when the charge was reversed after being told from the merchant it didn't go through. Now I have no money and what's in my savings, I have no access to. Unbelievable. I normally enjoy my NetSpend but this is one of many reasons why I have to let them go. Fix it NetSpend. My regular account doesn't even overdraw for a figure that high.