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NetSpend

1.3

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NetSpend Reviews Summary

NetSpend's reputation is largely tarnished by pervasive customer dissatisfaction, particularly related to its customer service and account management. Many users report significant challenges in activating cards, accessing funds, and receiving timely support, often facing long wait times and unhelpful representatives. Concerns about account security and unauthorized closures further exacerbate frustrations. While a few customers have expressed loyalty and satisfaction in the past, the overwhelming sentiment reflects a lack of reliability and transparency. Overall, potential customers are advised to exercise caution and consider alternative options for prepaid services.

This summary is generated by AI, based on text from customer reviews

service
213
value
209
quality
200

We monitor reviews for authenticity

Georgia
1 review
4 helpful votes
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Don't use
August 14, 2021

Bought a PayPal prepaid card put $120 on it when I went to activate it I was told by netspend that I can't have a netspend account. Mind you I have a small business account with them so I asked about that and was told it was closed but I never received the money from that account. The lady then tells me that they will send me a check for the $120 and review my small business account to see why I have not got the money from that account. I will not recommend this company to anyone.

Date of experience: August 14, 2021
Social S. NetSpend Rep
over a year old

Hmm, that doesn't sound right. We'd like to look into this. Please email us at [email protected].

Thank you,
Netspend

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
Social S. 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 [email protected] for assistance.

Thank you,
Netspend

Massachusetts
1 review
0 helpful votes
Follow Malina W.
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I had brought this card a year and it never work and my husband reminded me to check it again and still No Luck my email my name Mrs Williams. Horrible

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Date of experience: August 14, 2021
Social S. NetSpend Rep
over a year old

Hello,

We don't recommend posting card information on a public website. For assistance, please email [email protected].

Thank you,
Netspend

New York
1 review
1 helpful vote
Follow kathy W.
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Beware that there is a $5 monthly fee. You can't transfer money from its account to another bank account. Unlike other banks, they never tell you there is a monthly fee on the website where you sign up. Once I found out, I want to withdrawal and close the account. They told you to go the counter to withdraw, and you will be charge a 1% for that. I was charge $12.40 withdrawal fee plus the $5 monthly fee even I decide not to use it and close it.

Date of experience: August 6, 2021
Social S. NetSpend Rep
over a year old

We're sorry to hear that you are unhappy with your card services. The fees for using the card and for maintaining the Card Account are fully disclosed in the Cardholder Agreement that is included with all cards.

Currently we offer the option to make debit card transfers to external institutions and bank to bank transfers using your routing and account information.

For assistance, please email [email protected].

Thank you,
Netspend

California
1 review
0 helpful votes
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Total garbage "gift card". Legally, gift cards are supposed to be good for 5 years. Netspend set their company up to purposefully get around this law. Their company is trash. Their polices are trash. Their cards are trash. They should be tossed into the dustbin of history. THEIR CARDS ARE A SCAM. AVIOD THEM AT ALL COSTS! ZERO STARS.

Date of experience: August 5, 2021
Social S. NetSpend Rep
over a year old

Hello,

We're sorry to hear that you are unhappy with your card purchase. We offer prepaid debit cards, not gift cards.

To speak with us about your concerns, please email [email protected].

Thank you,
Netspend

Alabama
1 review
0 helpful votes
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Are you ok NetSpend?
August 4, 2021

First, let me say NetSpend had awesome customer service. The key word had! I have used them since 2016 and then was switched to all Access by 2019. I thought they were great to use because all 4 kids in college and it was an easy way to send money. Well, I had a direct deposit sent which they stated they needed proof, I was like ok. Send proof wait 6 hours, no email. Then when I receive an email it has nothing to do with what I spoke to rep about and sent. No one knew what I was talking about?!? I called to see why no response and the rep was talking so much I couldn't even speak. I was so confused, what happened to the customer service or the practices I had grown to love? Needless to say, the 5 of us are switching asap. Do you research there are newer companies which have what NetSpend used to be. I still don't have a response. Please again do your research!

Date of experience: August 4, 2021
Social S. NetSpend Rep
over a year old

We're sorry to hear about your experience. To speak with us, please email [email protected] with your contact information. We will have an agent reach out directly to you.

Thank for for letting us know,
Netspend

Virginia
1 review
2 helpful votes
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Hi,
Netspend will do everything and anything to stop you from activating your card. They will ask you for social security ID, driver license, US passport, utility bills, home information, everything you can think of. I am not sure what do they do with this information, using it to send us IRS FAKE calls? Open new accounts under our names? This company should not be allowed to operate in US.
Read their card package, it says they charge 8 DIFFERENT FEES.

Date of experience: August 2, 2021
Social S. NetSpend Rep
over a year old

Hello,

Like other financial companies, 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.

We assure you that we work hard to ensure all information is safe and secure. For assistance with completing the activation process, please email [email protected].

Thank you,
Netspend

Alabama
1 review
1 helpful vote
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I have had my Netspend card for several years. The entire reason for getting the card is because of the 2 day earlier posting times for direct deposit. Over the years of having netspend, I have gone from getting my pay like clock work at 9pm Wednesday night (payday is actually Friday), to early hours Thursday morning, to now it randomly posting late Thursday night. The Times I have called about this issue, of course, Netspend blames my company though I know others who use different financial institutions who post their pay early DONT have this issue! This has caused me so many problems especially when setting up bills. Needless to say, I am SICK to death of Netspend and this BS! Just give me my f***ing money already!

Date of experience: July 29, 2021
Social S. NetSpend Rep
over a year old

We're sorry to hear that your deposits haven't been arriving as early as expected.

Unfortunately, we don't have control over when deposits are sent to us. We post them when we get them, even if it is before the settlement date.

For questions about the direct deposit process, please email us at [email protected].

Thank you,
Netspend

Maryland
1 review
0 helpful votes
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My elderly father has an account with this company and recently lost his card and requested a replacement for a $25 expedited fee and the card never arrived. The fee was supposed have to card sent in 1-3 business days back in June. Since then my father has been hospitalized and each time he calls and tries to inquire about his account they ask him a series of questions that i know he doesn't know the answer to as he has early onset dementia and when you provide his social security number they now say the account doesn't exist. My father's monthly social security benefits are applied to this card and for the last two months he (we) have not been able to access his money to pay his bills like rent, which means i have been paying the bills. We've recently had to enlist the help of an attorney. NetSpend should be ashamed of themselves for taking advantage of unsuspecting people like my father.

Date of experience: July 28, 2021
Social S. NetSpend Rep
over a year old

We're sorry to hear of the issues that your father is experiencing. We would like to assist him. Please have him email us at [email protected].

Thank you,
Netspend

New York
1 review
0 helpful votes
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Freat
July 26, 2021

I've had a Netspend account and now an Ace Flare account for several years: my ssa and chase annuity are both direct deposited and come two to three days early! Never had a problem.

Date of experience: July 26, 2021
Social S. NetSpend Rep
over a year old

Thanks for taking the time to rate us, Dan!

Georgia
1 review
1 helpful vote
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Thieves
July 24, 2021

Someone gifted me a sum of money on a Netspend card for expenses I had. I warned them before about Netspend but they insisted. I put the card away but later decided to add the money to my bank account. I definitely know my passcode but Netspend kept declining access. I called the company and discovered they had my card blocked, but was taking money for their maintenance fees. I couldn't get my money but they can take it. I tried to get what was left at an ATM. Card declined again. I was finally able to access a very small amount. I guess Netspend will take the rest for their fees. At least I have pocket change. Crooks.

Date of experience: July 24, 2021
Social S. NetSpend Rep
over a year old

We're sorry to hear that you had issues with using your card. For assistance, please email us at [email protected].

Thank you,
Netspend

Tennessee
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
Ohio
1 review
11 helpful votes
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I bought two different PayPal netspend cards for my step sons, so they could buy stuff for Christmas online. Both were $100 and after several attempts to activate and a ridiculous amount of back and forth I gave up, well now it's been a few months and I started to try again to activate as I don't like being stolen from and now they basically just hang up on
Me and say those cards are expired. I seriously wonder what percent of money put on these cards just get lost to fees or just abandoned out of frustration. These people really should be prosecuted for fraud, they are preying on the poorest most desperate people in our society… I have a PayPal account and love it. I can't believe PayPal would allow their name to be associated with Netspend! Disgusting!

Date of experience: July 16, 2021
Maryland
1 review
5 helpful votes
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This is the second time in two weeks this company allow unauthorized money to be taken from my account. The first time it was 875.00. I explained I'm a cancer patient I need my money back. Then I had to wait 10 days. Received a call from fraud
department stating someone order another card
and they will block it. They attached this card to my account and someone was able to take out 303.00. You can call the non English speaker don't understand. Have no numbers to fraud department or headquarters. Get rid of this CARD! Try Chime Card.

Date of experience: July 13, 2021
Social S. NetSpend Rep
over a year old

Hi,

We'd like to look into this. Please email us at [email protected].

Thank you,
Netspend

Louisiana
1 review
0 helpful votes
Follow KEWAII W.
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I Want my money over 2k and been wait months and still nothing

I call over over again and because I cant remember my last deposit about you will not give me any info on my money

You close my account with any notice or real reason and make me go through HELL AND BACK TO GET MY MONEY WILL BE FILE A LAWSUIT 7/16/21 IF I DO NOT GET MY MONEY

I have my account number
Card number
Claim number and y'all are still give me a problem WTF

Date of experience: July 12, 2021
Social S. NetSpend Rep
over a year old

We'd be happy to look into this for you. Please email us at [email protected].

Thank you,
Netspend

Missouri
1 review
9 helpful votes
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Netspend is not the prepaid anyone should want whi cares about their money. Research prepaid card business before just accepting thier guidelines. Netspend has gotten very rich off ripping off cardholders by deducting senseless fees from your account and other complaints. A class action lawsuit soon will be issued against them for fraudulent activities. So before you use any prepaid please do your research.

Date of experience: July 10, 2021
Social S. NetSpend Rep
over a year old

We're sorry to hear that you are unhappy with your card services. To speak with us about your concerns, please email [email protected].

Thank you,
Netspend

Michigan
1 review
0 helpful votes
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This is the worst card ever. I am current in the process of filing a lawsuit contacting and filing complaints with FTC and BBB, consumer division, and Michigan attorney general. I just purchase the card loading money on there and they locked my money over false fraud protection. Cause me to be put out of my hotel room cause the card was locked. I sat in the hotel lobby for hours on the phone trying to get the problem straightened out. I had no money for food and had to wonder around for hours trying to find somewhere to go with luggage. They don't care about they customers once they get your money. I advise no one to used this card.

Date of experience: July 9, 2021
Social S. NetSpend Rep
over a year old

Your personal information and Card Account security are very important to us. If we detect suspicious or high risk activity, your Card Account may be suspended/ blocked, in order to verify information with you. We understand this can be an inconvenience, but we can assure you that it is only meant as a protection of your Card Account.

For assistance, please email [email protected].

Thank you,
Netspend

Minnesota
1 review
0 helpful votes
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Do not use netspend Rthey charge 1.50 for every transaction that is bull$#*! stupid thieves... I would not recommend using... NETSPEND YOU SUCK

Date of experience: July 6, 2021
Social S. NetSpend Rep
over a year old

It sounds like you are signed up for our Pay-As-You-Go plan. For every debit/PIN and signature/credit transaction there is a fee. We do have a monthly plan that allows for unlimited purchases. You can change your fee plan at any time through your Online Account Center or with Customer Service.

To speak with us about your plan, please email [email protected].

Thank you,
Netspend

South Carolina
1 review
0 helpful votes
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Poo service
July 4, 2021

It costs $6 a month I was given a net spend card wasn't ready to use now that I am there's nothing but $2 left... omg I wish there were 0 stars

Date of experience: July 4, 2021
Social S. NetSpend Rep
over a year old

The fees for using the card and for maintaining the Card Account, including maintenance fees, are fully disclosed in the Cardholder Agreement that should have been included in the card packaging. The fee is automatically charged after 90 consecutive days of no activity.

We understand your concerns. Netspend charges fees so that our cardholders can take advantage of the many services offered with our card. To speak with us, please email [email protected].

Thank you,
Netspend

Maryland
2 reviews
0 helpful votes
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Horrible company
June 28, 2021

I have been with them since they started. They are the worst when it comes to depositing checks into your acct. I have one check from Dept of Treasury. They declined. I have a paycheck that they accepted direct deposit from my company but my 1st check they won't deposit. Why have an acct if they don't do what is needed.

Date of experience: June 27, 2021
Social S. NetSpend Rep
over a year old

We highly regret the inconvenience. However, we could not understand the exact problem. Please shoot us a message at [email protected].

Thank you,
Netspend

From the business

NetSpend is a leading provider of reloadable prepaid cards and related financial services in the United States. We serve the estimated 68 million underbanked consumers who do not have a traditional bank account or who rely on alternative financial services. Our mission is to provide products and services that empower consumers with the convenience, security and freedom to be self-banked.

Since 1999, our products have helped more than 10 million consumers to make purchases, pay bills and manage their money without the need for a checking account or credit history.

Through our nationwide network of more than 70,000 distribution locations and 130,000 reload points, consumers can buy and reload NetSpend Prepaid Cards at neighborhood retailers, check cashers, convenience stores, grocers, pharmacies, insurance providers and tax preparers nationwide. In addition, our direct distribution channel reaches consumers beyond our store-based distributors. NetSpend is also a leading provider of cor...


netspend.com
Founded in 1999
Austin, TX
+82
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