NETSPEND CORPORATION
Consumer Complaints
There are over 1453 complaints on file for NETSPEND CORPORATION. Dated between 2019-12-03 and 2014-10-24.
Complaints Page 26
2018-01-31
Brooklyn, NY
Unexpected or other fees
Credit card or prepaid card: General-purpose prepaid card
Complaint: I filed a Demand for Arbitration with the XXXX XXXX XXXX in a matter with Netspend. Netspend’s cardholder agreement requires arbitration in matters of disputes. Netspend has failed to pay the required arbitration costs so that the case can proceed. Failure to pay these fees are a breech in the arbitration agreement.The XXXX XXXX XXXX case number for the matter XXXX vs Netspend is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-27
Brooklyn, NY
Problem getting a card or closing an account
Credit card or prepaid card: General-purpose prepaid card
Trouble closing card
Complaint: On XX/XX/2017, I spent {$100.00} on a NetSpend Prepaid Debit Card. {$100.00} of that was to be credited onto the balance of the prepaid card, while {$2.00} of that was paid towards the activation fee of the card.
After purchasing the card, I called NetSpend customer support to activate the card, so that I may use it. They presented me with too many hoops and hassles to use a simple prepaid card product, so I instead requested a refund for my purchase. The customer service representative obliged my refund request, and voided my card. The balance on my card was deleted and my card was rendered unusable. He told me that a check would arrive in the mail for {$100.00}, as my refund.
About three months later, I called in again to ask about the status of my check, because I had still not received it. They told me they would send it again, but still did not.
Now, it has been over 7 months since they were supposed to send me my refund check, and they still have not. When I call them, they purposely make the process as hard for me as possible. They ask me to send in all sorts of documents to them, to prove my identity and address, when all I want is a refund of my own money.
But anyhow, I oblige them and send them the documents they request. Most recently, they requested proof of address in the form of a utility bill or bank statement. I sent them said document to the email address they provided.
Then, I get a response in the email saying that this isn't the proper procedure, because I have no reference number. Yet, I was never ever given a reference number.
Nobody at NetSpend is willing to resolve my issues. They only bounce my issue back and forth between departments, so that nobody is ever going to help me. I only want my refund check of a {$100.00}. They have already voided the prepaid card I purchased, so it is only right that they refund me the money. I have received nothing for my {$100.00} purchase.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-27
Shulerville, SC
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Sent card you never applied for
Complaint: Netspend credit card company obtained information on my underage kid and issued her a credit card in her name solely based on the fact she purchased something online ... they have her address and full name on the card and all we have to do is activate it. Im extremely bothered by how this company was so nonchalant about the future repercussions this could have caused. I called the company and they were very limited by the amount of information they gave me ... now Im worried about identity theft for her in the future! WE NEVER GAVE THEM THE RIGHT TO SEND THIS CREDIT CARD TO HER IN HER NAME! Please investigate their practices its NOT RIGHT and are dangerous to our youth! And to be clear I have not provided her name on any of this paperwork nor do I intend to in order to protect her from further issues ... I believe if you call them you will find out very fast they send out randomly issued credit cards regardless of age!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-27
TX
Problem getting a card or closing an account
Credit card or prepaid card: General-purpose prepaid card
Trouble closing card
Complaint: Received unsolicited prepaid card by mail on XX/XX/2018. cardholder agreement under fee schedule states '' If you do not register your card and your card remains inactive, we will access the Account Maintence Fee Listed below beginning 90 days after the date the card was acquired. '' called to remove account but was an automated call with no way to verify it was removed. E mailed to the listed email address to decline card but address was invalid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-27
Hollywood, CA
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Complaint: I have never applied for a loan/ credit with NetSpend . This inquire happened during the same time as another one from XXXX XXXX of which I did not apply for either.I have contact the company via phone and email to request them to stop pulling my credit without consent. I was told they would look into it and they have stop responding to my request. I never applied nor desire to do business with this company and they are hurting my credit with there hard inquires.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-27
Edison, NJ
Problem getting a card or closing an account
Credit card or prepaid card: General-purpose prepaid card
Trouble closing card
Complaint: I am a victim of Identity Theft and I have placed fraud alerts and security freezes with all 3 credit bureaus. I, XXXX XXXX XXXX, did not apply for any NetSpend and / or XXXX product or prepaid card. However, a NetSpend/XXXX was open based on incorrect and a part of my name. Please see attached FTC complaint. I am not sure as to how many more accounts or cards NetSpend/XXXX had approved on this name and / or my information. I have nothing to do with any of these accounts and cards as I did not apply for any of these products and I do not want to bank with your bank. Kindly close all accounts and cards opened with my information and permanently delete all my information on your files and do not solicit me in the future. NetSpend must not open any more accounts / cards or entertain any applications, whatsoever, with any of my information full or partial. NetSpend must close all accounts, remove all my information from its files, not report the account to any external agency, mark the cards / accounts as fraud and notify me as soon as possible. XXXX should delete all my information and must not issue any more product using my information full / partial.Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-26
Problem getting a card or closing an account
Credit card or prepaid card: General-purpose prepaid card
Trouble closing card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-26
Bloomfield, CA
Problem with a purchase or transfer
Credit card or prepaid card: General-purpose prepaid card
Charged for a purchase or transfer you did not make with the card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-26
Newnan, GA
Problem with a purchase or transfer
Credit card or prepaid card: General-purpose prepaid card
Charged for a purchase or transfer you did not make with the card
Complaint: On XX/XX/2018, I noticed that there were 9 transactions on my account when I woke up that morning I noticed these transactions were done between the hours of XXXX and like XXXX, while I was sleeping. I reported it immediately thru their automated system, I could not dispute the transactions until the opened at XXXX. The total amount that was taken out my account was XXXX, plus fees, this card was stolen by either my secretary or my sister, they were the only ones in the home at that time. Of course they are both denying it, so I have to dispute. These people have access to my paperwork in my home, which I do have a book that I have to write everything down in. I reported this immediately, now I have to wait 10 business days for them to tell me if they can issue a provisional credit to the account, the sad back is that I have a daily withdrawal limit of XXXX on my account, they can not tell me how or why this was able to take place. Reading their disclosure I have a zero liability thru XXXX, and I have a credit card, and when it means zero liability they are supposed t issue provisional credit during the investigation. I am so upset with the lack of customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-24
Bedford, TX
Problem getting a card or closing an account
Credit card or prepaid card: General-purpose prepaid card
Trouble closing card
Complaint: On XX/XX/XXXX I purchased 3 Netspend prepaid card by mistake from XXXX. After I realized they were n't what I needed I took them back, but XXXX said they could not refund the money. I had to contact Netspend for the refund. I contacted them XX/XX/XXXX by phone to make request for refund. After I did not receive it, I contacted them by phone again on XX/XX/XXXX. I still did not receive the refund by XX/XX/XXXX and called back again. I am currently speaking with them today,XX/XX/XXXX, to get my refund but they seem to be holding my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-24
High Point, NC
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Sent card you never applied for
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-22
North Hollywood, CA
Trouble using the card
Credit card or prepaid card: General-purpose prepaid card
Trouble using the card to spend money in a store or online
Complaint: I have a problem I need help with please.
RE : netSpend ( AKA XXXX XXXX AKA XXXX XXXX XXXX AKA XXXX ) I deposited {$40.00} to my pre paid card and emailed them the requested documentation ( Drivers License & Social Security Card ) and they refuse to make the funds available for my use.
I do not have a lot of money your help would be much appreciated.
Can you please ask them to stop being a XXXX?
Thanks!
XXXX XXXX XXXXXXXXXXXX FROM XXXX : Question : Is NetSpend a legitimate company?
The answer is no, NetSpend is a legitimate prepaid debit card company. ... As a company, NetSpend was founded in XXXX and now serve over 10 million customers. If you 're on the fence about trusting one of these prepaid debit cards, that should help build confidence. That being said, NetSpend is not cheap.XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-22
West Brandywine, PA
Problem with a purchase or transfer
Credit card or prepaid card: General-purpose prepaid card
Charged for a purchase or transfer you did not make with the card
Complaint: XX/XX/XXXX the following two charges were taken from my pre-paid Net Spend debit card.
XX/XX/XXXX XXXX XXXX XXXX CA {$19.00} - {$13.00} XX/XX/XXXX XXXX XXXX XXXX CA {$19.00} {$6.00} I have never heard of this company nor had I purchased anything that would fit those amounts. I have had some computer issues so I did not see these until several days after they were posted. I was upset because the second charge resulted in an overdraft situation in my account. When I saw them I called the number listed with the charge. I spoke to the man who answered the phone. He did say the name of the company ( not XXXX ) so I asked him if XXXX was part of that company. He said that XXXX had gone out of business in XXXX and that he had no idea who was using that name to make charges. He said that he would give me the number of someone who might be able to help me. I called that number and spoke with a woman who, as soon as I mentioned XXXX and why I was calling, answered with her voice shaking. She repeated several times that she did n't know anything about what happened to XXXX or how I could contact them. I called the original number back and just got a recording, with no mention of XXXX. I then contacted the Net Spend Customer Service and spoke to one of the agents. I explained why I was calling and said I wanted to have these charges removed, as they were fraudulent. He took the information to start a claim. Having said that, I have been dealing with Net Spend for more than three years. I have had more than one claim started with their customer service department and, when I call to check the status a week or two later, there was no claim started. I have a list of incidents where I am totally amazed that they can stay in business. I have records of all of those and, if necessary, would be happy to send them to you. There is actually one that I will be filing another complaint to you for more than {$200.00}. On XX/XX/XXXX there was another payment of {$19.00} taken for XXXX and again on XX/XX/XXXX. This time I initiated a claim online on XX/XX/XXXX. Net Spend usually takes at least a month to investigate any claim and I have waited longer than that. To my surprise, I received a notification on XX/XX/XXXX that the investigation did not find any error in the transaction so the company would be keeping my money. I did ask if the fact that I never heard of the company and have nothing that I could have gotten from the company since I do not know what they sell was taken into consideration. I have not gotten an answer to that question. I also requested the paperwork of the investigation which I was informed today would take about ten days. That is four days longer than it took for them to decide I was not getting my money back. I am XXXX years old and on a very limited income so the amount close to {$80.00} will cause a burden to me. I have told Net Spend this more than once but it makes no difference. The vendor is always right ... not their client.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-20
Lena, OH
Problem getting a card or closing an account
Credit card or prepaid card: General-purpose prepaid card
Don't want a card provided by your employer or the government
Complaint: I received a prepaid XXXX from a company called XXXX on XXXX XXXX, 2018. It already had my babe embossed on it. I couldn't get through to a live representative because the voice machine wanted me to provide a card number or my social security. I gave the card number but it tried to get me to activate it using my social which I was not going to do. I was worried that someone has fraudulently applied for this card in my name. If not and the company just sent me a card like this without any request then I feel that is a security risk. What if I hadn't lived at the address or someone else managed to activate this card they sent me?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-19
NC
Advertising
Credit card or prepaid card: General-purpose prepaid card
Confusing or misleading advertising about the card
Complaint: I received a XXXX 's XXXX XXXX that looks as though it goes through a financial institution called " XXXX '' ( this seems to be their website : XXXX ). The problem with this advertisement, I guess I would call it, is that it has a card number and my name pre-printed on the card. It also has my name, address, a routing number and account number listed on the front page of the letter. While this is prepaid, you have to read the small print behind the card to understand to really understand what this card is and that your credit was not checked for this card. I was very concerned at first because it had all of the account numbers, my name printed, and I thought they ran a credit report. At first, I thought it was a real credit card put in my name. Why should I have to take the time to shred this information and a card, when I never asked for this. It causes unnecessary stress for the consumer and could be misleading to an elderly person. This is poor advertising and it makes me think poorly of XXXX and this XXXX institution. If my name was not pre-printed on this, it didn't have an account and routing number before being activated, and it was very obvious in the letter that this was not run through my credit ; I would be okay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-16
Atlanta, GA
Advertising
Credit card or prepaid card: General-purpose prepaid card
Confusing or misleading advertising about the card
Complaint: X/XX/2018 - Received an unsolicited, encoded Netspend prepaid XXXX. It includes my name embossed on the card. This opens me up to significant fraud risk, and I do not want this to be sent to me. I will be shredding this card, but my concern is that others may have or will be mailed that are diverted to inappropriate parties.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-15
Lynn, MA
Advertising
Credit card or prepaid card: General-purpose prepaid card
Changes in terms from what was offered or advertised
Complaint: On XX/XX/17 I received an email saying something to the effect that I had " won '' a {$1000.00} gift card from XXXX. There were associated posts saying this was " for real ''. I started clicking to check it out. As I went along it seemed to start turning into an application for a credit card and, against my better judgement, I continued with the process. By the end, I had been congratulated for qualifying for a " Net Spend XXXX XXXX card ''. I was annoyed since I did NOT want this credit card. I decided to wait until I received the card to call the company. Well, I never even received the card! After 3 1/2 weeks I called XXXX Spend XXXX. The customer service person was not concerned about the fraudulent way I was lured into applying for the card or that I never received it. She seemed to want a quick resolution and simply offered to send me another card or close the account. I told her to close the account. I also said that I certainly hoped that opening and closing this account would not effect my credit score. She said it wouldn't but I'm not sure she knew what she was talking about.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-10
Chicago, IL
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Confusing or misleading advertising about the credit card
Complaint: On XX/XX/2018 I received in the mail, a XXXX prepaid XXXX in my name that I didn't order or apply for. When I tried calling to speak to a person I was unable to do so without entering my social security number and I wasn't going to do that because I didn't order the card. I just want to make sure there's no fraudulent activity going on in my name
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-10
Newark, NJ
Problem with a purchase or transfer
Credit card or prepaid card: General-purpose prepaid card
Card company isn't resolving a dispute about a purchase or transfer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-10
Smyrna, DE
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-09
CA
Trouble using the card
Credit card or prepaid card: General-purpose prepaid card
Trouble getting information about the card
Complaint: On XXXX/XXXX/XXXX I tried to manage my netSpend acct on line but found it blocked. Upon contacting customer service I was advised that my acct had been closed on XXXX/XXXX/XXXX for " unacceptable acct usage pattern '' and that I was " no longer eligible for netSpend services. '' I waited 45 minutes for a supervisor who informed me that she could not tell the exact reason as my acct was closed by XXXX, but said they did not have the phone number for their parent company. On XXXX/XXXX/XXXX I called XXXX to inqure further about the reason for my acct closure. XXXX denied any responsibility for acct terminations which the rep assured me was at the sole discretion of netSpend. On XXXX/XXXX/XXXX I contacted netSpend and spoke to a supervisor again attempting to obtain an understanding of what transpired with my acct. This time I was told that such information was not available since my acct was " no longer accessible '' due to its closure. When I asked for the regulatory agency responsible for netSpend operations, I was transferred to the risk management voicemail line. I left a clear message with my information. As of XXXX/XXXX/XXXX, I have not received a call back. On XXXX/XXXX/XXXX I received a check from netSpend for {$44.00}, the balance from my acct at time of closure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-09
Folsom, CA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-05
Warrenton, VA
Trouble using the card
Credit card or prepaid card: General-purpose prepaid card
Trouble getting information about the card
Complaint: Hi, My son had received a {$100.00} gift card from his school XXXX in XX/XX/XXXX. This is a netSpend XXXX Debit card and was bought from XXXX grocery store. The card was activated at the time of purchase. In XX/XX/XXXX when we tried to use the card we were unable to ( which my son wanted to use for XXXX ). So, I decided to register at netSpend.com add the card to see what was happening. I can see that a monthly fee of {$5.00} was being deducted and the card shows balance. However, it also shows the card is expired. When I attempt to call the card issuer on the phone number listed on the back of card, it does not recognize the card and does not allow reaching customer service. I tried reaching the customer service on the website but that does not allow reaching the customer service without completing a security profile. The website does not allow me to setup a security profile without a valid card ( unexpired card ).
It is frustrating that there is no way to reach this company other than writing to them via mail. By the time my mail reaches them they would have deducted another monthly fee. My son is greatly disappointed that he can not spend a reward he earned from his school. The card shows a balance that is depleting every month, yet it shows it is expired. Attached are the statement from XX/XX/XXXX and also the card activation history and expiration date. This is pure deceit of unsuspecting consumers.
I hope this company is banned from issuing cards that expire, especially when there is balance. I am sure there are many out there like us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-05
Effingham, KS
Trouble using the card
Credit card or prepaid card: General-purpose prepaid card
Problem with direct deposit
Complaint: I was supposed to receive a direct deposit for excess Financial Aid funds. XXXX XXXX told me the refund amount was too much {$16000.00} over their XXXX so I would need to send documentation proof of the deposit reason. I sent all paperwork from my college to them and was told to expect something in 6 business hours. I called back 6 hours later and was told they attempted to call the school for verification but the school was now closed so they could not do anything. I then asked to speak to a supervisor who ensured me the documentation I sent was good and I would receive my direct deposit by XXXX. I called back at XXXX and was given a different answer, that the direct deposit department was gone and attempted to call the college but it was closed so they would need to verify tomorrow. I should not have to go through this much to get my own funds!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-04
Effingham, KS
Problem with a purchase or transfer
Credit card or prepaid card: General-purpose prepaid card
Card company isn't resolving a dispute about a purchase or transfer
Complaint: I have a XXXX prepaid account. On XXXX XXXX I attempted to withdraw {$300.00} from an atm. The money was not dispensed but the account showed the money was dispensed. I went to XXXX XXXX in XXXX KS the owner of the atm who told me they would do a count and give me the money back if there was a discrepancy. I returned in XXXX XXXX and was told the count has not begun. I returned on XXXX XXXX and told again the count had not begun but totals would be ran and I would receive a credit to my account. I did not receive any credit. I called the bank on XXXX XXXX and was told I would receive the money back from my bank after a dispute. I filed a dispute with my XXXX Prepaid account on XXXX XXXX. I called on XXXX XXXX, XXXX to ask about a provisional credit and was told I could not receive a credit until the investigation was complete. I was told Id receive an update on XXXX XXXX regarding the dispute but that even then I may still not receive any credit until 45-60 business days when the review was complete.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation