Consumer complaint received 2021-07-07
Company: Netspend Corporation
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
early this year I submitted a complaint against XXXX ). I'm still having that same problem with a different situation. it is a long story, but NetSpend has taken money from me 3 times, XXXX and XXXX " XXXX '' and again this XX/XX/XXXX, " XXXX ''. I pay my electric bill on time every time choosing the " DATE OF '' to pay my bill I never choose the due date. XXXX & XXXX I did not receive any text message alerts stating there was a transaction for XXXX  XXXX. XXXX  XXXX verified seeing payments posted. when I call Netspend it's always no transaction or payment seen for XXXX  XXXX, and this has happened on the dates listed above. my budget electric bill amount is {$66.00}. I pay my bill between the XXXX XXXX of the month of XXXX, XXXX, and XXXX. Mid-XXXX  and XXXX I received a text alert stating insufficient funds. XXXX I paid {$66.00} middle of the month insufficient fund alert and I was charged fees by the electric company. I had convinced myself that maybe I overspent so I excepted the consequences. So, in XXXX I had to pay {$150.00} that's including fees. I call the electric company several times throughout that week and the week after reminding you that I pay bills XXXX. So, in mid-XXXX, I get another insufficient fund alert. XXXX my {$66.00} bill increased to {$350.00}. by this time I opened a bank account with XXXX 's XXXX XXXX and started submitting payments with XXXX 's debit card and there weren't any problems with my transactions. Unfortunately, I had to close my account with the credit union. I've been back with NetSpend for about 2 mos.On XX/XX/XXXX I made a {$50.00} payment to the electric company using my NetSpend debit card. I called XXXX XXXX and payment was verified, but NetSpend didn't see that {$50.00} transaction, and I had the feeling I was going to get scammed again, so I called XXXX XXXX and made another {$50.00} payment over the phone. XX/XX/XXXX " XXXX '' I received a text alert stating {$50.00} was paid but no date or time was included in this text unlike all other text alerts I receive regarding all transactions, my guess is that NetSpend is trying its best to confuse me. I have been call and all they do is hang up or place me on hold for like an hour when I call. I escalated the issue and a supervisor called and he wasn't really trying to listen to reason. I had asked a supervisor, Ms. XXXX, at XXXX  XXXX to keep an eye on my account for me. Today she called and said I see you made another {$50.00} payment over the phone, so we're going to refund one of the {$50.00} dollar payments. To be honest I think both companies should have an internal audit investigation performed. A class-action lawsuit is definitely needed, if I had to choose which company is fraudulent I would say NetSpend. 
To whom it may concern : please help me get my money back because I really need it. Thanks in advance and may God continue to bless you and stay safe. In XXXX  's name, Amen!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation