Netspend Arvostelua 

Total Waste of Time! If I had known before opening my account that proof of residence and ID verification were needed, I would not have bothered getting a card. You might as well build a relationship and credit with a financial institution.

Terrrible customer service! Supervisor Joshua ensured me for 2hrs on the phone, that everything would be handled and totally did the opposite. Never refunded the check like he was suppose to, now I have to wait for another 10/15 business days. After already wait 3months!! Would never recommend Netspend/Paypal to my worse enemy. I’ve been with PayPal for 15yrs and this will be my last

I would give negative 5 stars if I could. I've been requesting assistance regarding rapid attacks, synthetic attacks and changes to login info not to mention charges/fees that are not only predatory but also inaccurate. Recently I finally not only received over 700 in reversals back from a company but submitted a claim and received written confirmation that other charges would be reversed. I've submitted substantial documentation and I had a supervisor confirm my overdraft was mistakenly deactivated. Despite this, there has been no escalation to return my funds. Despite the merchant statement and reversed credits there is still a "investigation" and at this point what more could you investigate. I was given a $10 credit and told my purchase cushion was active. It was not however NetSpend did overdraft my account for a monthly fee. I was told on 6/22 that a supervisor was waiting to speaking with me and never transferred but placed on hold over a hour. I have documentation verifying missing money with no transactions. There has been no urgency to either help or resolve this issue. This nightmare as and treatment has caused me financial harm, emotional distress and trauma. The only thing I receive from NetSpend is lack of transparency, unacceptable customer service and more financial strain. You or your money isn't a priority. You won't get consistent help, answers or even basic respect. I have been transferred only to be hung up on. Stonewalled and disregarded. I filled another complaint with cfpa, I'm going to file more. This is a egregious violation of federal laws and a total failure to even attempt to accommodate assist me to get a speedy resolution. I'm completely disgusted. I've never been exposed to this type of experience. I wouldn't wish this on my worst enemy. DO NOT USE THIS COMPANY ESPECIALLY IF YOU HAVE A disability, they seem to prey upon vulnerable individuals and. Do absolutely nothing to help their customers. I have no words. Customer since 23 or better, DD and is is what I receive u from them? Worse experience aside from identity theft ice ever had Its important to note they were recently fined over 1 million dollars by Attorney General Leticia for exactly this behavior and are still doing it.

Edit: they did not take account protection seriously and even that answer is a joke not even a dressing anything that I stated in this situation regarding my financial situation due to their incompetence only addressing the account protection which they felt at as well. That is further evidence a matter of fact if anyone notices they didn't even ask anything about what my username was how do they know what my account is this is bogus. Don't believe anything that they say. Completely not only incompetent but not caring

wants more documents to verify identify that they do not need do not get a netpend debit card they also lied to me

Hello,

I am aware that routing numbers have changed, however, the last communication I received regarding the change on May 21, 2026 was that the change would be extended until the end of July.

Part of the email reads "Avoid Disruptions: After July 2026, we cannot guarantee that your transactions will be successful. Update your info immediately to get your money on time and avoid late fees or declined payments."
But it is June 18th and my direct deposit should have been issued Tuesday the 16th and I was told when calling the Brinks that the routing number changed early, and that I had to correct it with my employer. The second agent said there were no pending deposits, and the third agent said that the routing number was changed and that it would be sent to my employer in six business days, but that is a long time to wait, when my account is already in the red.

The fallout from this is not only not having any funds for at least 10 days (the funds back in 6 days and the employer sending a paper check), is rental late fees, possible car repossession when I don't make that payment on the 20th (and my record was good until now), other bills and late fees and not even being able to purchase groceries. Just as in a fraud case when you provide funds, that should be the case here, until the deposit is corrected and you take that money back.

I am requesting a provisional credit to my account in the amount of past direct deposits that come every two weeks, until that money is returned and then they can take the money back when it is returned, as not every organization let's you change direct deposit information online as my company requires paper and is a process of receiving paper checks in between. I shouldn't have to be late or risk car repossession when the information received from the company listed a different date of a routing number change. The 'supervisor' that called me back told me they were not aware of the communication and only learned from customers calling, and that they were forced to change the routing numbers sooner. How is that my problem. This is really going to put me in a bind as I was planning a move, have a pending housing payment, car payment and numerous other bills and I can't wait 6-12 days for a paper check. That is not a solution to something that was not my problem.

So far an evening of hell. I bought a net spend card because I seen online it would be a safe method to play legal online casino games. It did not work on 2 of the casino apps I tried to use it on. I then attempted to add the funds to my PayPal account, not compatible with PayPal. I then linked it to my bank debit card, all went well until I tried to transfer the money from Netspend to my debit card. I was directed to call customer service. Made the call and did as directed and waited an hour to attempt the transfer again but not to do it more than one time or it could cause the card to receive a block on it. I tried it just once after an hour and BLOCKED and frozen. I was directed to verify my account with a government ID, I did that and the system said it accepted it but when I called customer service I was told the accounts needed more verification. An email was sent for me to verify with a recent utility bill( must be within the past 30 days) and once again my government issued ID with a reference number in the subject line. I received a reference number over the phone different from the reference number supplied in the email so I will find out in 6-8 BUSINESS HOURS if I can transfer my money, close this nightmare account and try to get over how a whole evening of what was supposed to be rest and relaxation was stolen from me from this extremely inept company!

Terrible experience with Netspend from the very start. My card was blocked, and when I called customer service. I was told to wait 4-6 business days for resolution. To make matters worse, the representative spoke too quickly and had an accent that made it hard to understand. I can’t recommend this service to anyone

Terrible, I've had them 12 years and they have just tanked. Terrible customer service with 0 resolve and no way to access my funds. I was told to transfer my funds. Lol to access my funds the bank told me to transfer them to another. Terrible customer service.

How on earth has anyone read if there’s anything other than a one. If there were zero I would read zero this is the most convoluted scam I’ve ever ever experienced as far as financial institutions are concerned. What the hell is up with their fee for everything… I mean everything! I can understand ATM fee, but I’m being screwed by the fact that I can’t take up money anywhere with this card and so any ATM that’s gonna charge me a fee. I’m also incurring a fee through them. There’s a monthly fee, that is also a two dollar fee every single time you use your debit card. What kind of messed up crap is that!? That is just complete Idiocracy. It’s so cheap and ridiculous that I am so confused as to why I ever even accepted this card into my wallet. They should be closed for being the shittiest banking system ever in existence. This is 2026… Get on with the program! You were speaking experience… Financial experience… Whatever the hell these people are called… I’ve ever had in my entire life. I don’t even wanna know how much I spend fees in the last two months since I’ve had this card on. I just caught on… Silly me, I guess. These people should be shut down and never allowed to do business again. Cheating lying corrupt system with petty fees. Such idiots. Accuse my language and excuse my abrupt writing. I’m just so fed up with their bullshit. It’s not even funny.

Account locked with money and they're trying to hold on to it like their own. Avoid these thieving bastards

After reading the hype about this organisation being the most user friendly and very accommodating to facilitate the provision of a reloadable Visa card for someone who does not have a bank account or personal identification limitations.

Well what it won’t tell you is you can’t open an account in the uk on behalf of someone living in USA. Expert guidance from “AI” revealed they have “red flag” security restrictions blocking anyone outside USA creating an account.
Despite failed attempts to reach out to Netspend by email and phone, I had to rely on “AI” again who confirmed email responses are a pre determined fixed response advising you for security reasons to phone, but again they don’t tell you they also put red flag security blocks on phone calls from uk.

THIS COMPANY SHOULD BE RECYCLED
So why they are described as the best service I don’t know.
It’s certainly not been my experience for someone from uk.

I submitted this complaint to the CFPB:

I am writing to file a formal complaint against Brink’s Money/Netspend regarding a sudden restriction on my account and the company’s inability to resolve a verification error, which has resulted in the loss of access to my funds.

Incident Timeline:

May 3, 2026: I attempted to log in to my account as usual. I received an error message stating that no account exists under my username or email address.

May 4, 2026 (7:30 PM): I contacted Customer Service. I was informed that a restriction had been placed on my account. The representative stated they could not provide the reason for the restriction until my identity was verified.

Verification Attempt: The representative sent a verification link to my mobile device. I successfully uploaded a valid, current State ID four times. While the system on my end confirmed a successful upload, both the representative and the supervisor insisted that the ID was not accepted.

Current Status: The supervisor informed me that a minimum 24-hour wait period is required before an update can be provided.

Background and Impact:
I have been a loyal customer for over 10 years and have never encountered an issue of this nature. It appears these difficulties began following the transition of Brink’s services to the Netspend platform.

The lack of transparency regarding the cause of the restriction, combined with the technical failure of their verification system, has created a severe financial hardship. I currently have no access to the funds required to pay my rent and other essential monthly bills. This situation is an extreme inconvenience and puts my housing security at risk.

REPLYING TO NETSPEND: I replied back to the information request. Please take the restriction off my account and make my funds available to me.

I loved using my Western Union Netspend account, app and card until I forgot my password and have attempted to reset it via email, phone calls, etc for YEARS NOW!!! I can still use my card but I cannot see my statements, usage or anything bc I simply do not receive the email to reset my password. I have made countless attempts to resolve this with no follow through from customer service, again for YEARS NOW!! It is ridiculous that it has come to this but here we are. Please help!!

Update- 05/13/26

Don and his team through diligence and communication have now helped to resolve my issue. It was simply a system error, which is now resolved. Thank you!!

I have been with netspend for almost 15yrs, I have had very few issues, until today... I woke up to a charge that I didn't make, I called netspend customer service, they told me the charge was pending and their was nothing they could do until after the charge went through, then I could dispute it and "maybe get your money back". They canceled the card and issued a new one, then informed me there were several other cards attached to my account(which I knew nothing about), and even though they were supposedly expired, the netspend employee had to remove them from my account. I was told to wait 3 to 5 business days to let the charges go through then appeal them, which was not in the least bit acceptable... so, I contacted the merchant where the fraud was being perpetuated and WITHIN 5 MINS, (5 MINS NETSPEND!!!) while in a chat window I was able to not only get the transaction stopped, but I was able to get the new account marked as fraud and I WAS ABLE TO GET MY MONEY BACK... IN 5 FREAKING MINUTES, NOT 3 TO 5 BUSINESS DAYS(to maybe get it back)... 5 MIN! I am very disappointed in the service and will seek out another financial institution that is more on top of their customer's needs. In the words of the great Joey Swoll, "YOU NEED TO DO BETTER!"

Never buy netspend card
It never worked anywhere I went
And I waste so much time just trying to get back my money back

Worst experience ever

Ive been with them for 8 years and the service is getting worse everyday. They hold your money longer than they should. They dont make payroll deposits when they should. Extremely unhappy with the way things are being done now

Terrible, did not receive my phone verification code. Additionally scince I typed in one they had sent me late I was locked out of my account with my money locked in there. Honestly just get a diffrent card not worth the trouble.

I keep getting emails from this company and I have never delt with them .. never heard of them and the emails don't stop ... asking if I claimed off them ...I never even heard of them I'm in a different country....
It's very annoying

The company does not exists its a complet scam and there is no such thing as net spend its fake

First this company does NOT protect you as a consumer at all!!! Then when you place a dispute the amount of games being played is absolutely ridiculous. They tell you someone from the claims department will call you and they never do. The information from the investigation that they perform doesn't show sufficient error on your part and the things you provided them with does. And it's a vicious never ending cycle. So you never end up getting your hard earned money back. And with how things are going in the world today you need every penny you actually have. It's such a shame. How could you!?!