I have been with NETSPEND for 4 years loyally. This is the first time I have read the reviews only after experiencing a serious problem. My problem began with a purchase from an Indian run Marathon convenience store after purchasing gas for my car at the pump. I attempted to use my account the following day only to find that the account was shutdown due to someone through a Windows program was trying to access my account. When the account was opened and my username and password were reset I was greeted with a Fraudulent purchase to DOORDASH in Sanfransisco. Having that corrected thru doordash I carried on with my day, no problems. However, on the following day my account was closed once again only to find out it was wiped completely out right down to the over protection " wich you're not actually protected, they charge an outrageous fee for every purchase " and took no steps to prevent this from happening. NETSPEND had every opportunity to prevent this and did absolutely NOTHING! So now I'm waiting while they " investigate " the matter wich could take at least 10 days before the money is back in my account. By the way, NETSPEND is ran by Indian people " nothing against them, I know way more good ones than bad and I'm in no way racist or pregadice " wich the bad ones are smart and know how to fraud innocent, hard working people. As I'm writing this review I'm being told what a great job I'm going