lobbythis wrote:I think I got confused here a bit. Are you trying to get back whatever money is left on the card or the money that was spent, or both?
The idea with PayPal only works for actual money being held. In this case, Netspend is probably going to do all they can to not refund money that was spent as they don't actually have it.
For future reference, I would also use a lender that offers temporary virtual credit card numbers. You can avoid the Netspend fees and having to deal with their nonsense. The virtual number is dead in 24 hours and no one can steal it. This makes more sense to me since you say you just use it for safe online shopping.
MemberSince99 wrote:You'll have to file a small claims suit in the county courthouse of a location where they do business. I did it once but it was years ago so I'm not sure if you need the owner's name or someone's name or just the business can be sued anymore. You just go to the courthouse and they will help you fill out the paperwork and you pay the fees including service fee (which tells them that you are suing them) and wait for them to be served and get a court date set. Then you go in with or without an attorney (usually without in small claims) and make your case to the judge. If they don't show up, you will win by default. If they do show up, anything can happen.
Champagne wrote:Jeez. I've been to court before for traffic tickets but that's it!
Does that mean in Texas? I believe Netspend runs its operations from Texas, I am in Florida.
I just want my 1500$ back as it was unauthorized fraudulent charges, no idea how they even got my PIN and how can Netspend just let all these transactions go through..
whit wrote:This is where you're running into a problem.
IF the charges were run though with your pin (think chip and pin..the pin being an added layer of security)
Than 99.9% of the time you're SOL
Because no one is suppose to know that pin but you, and if you wrote it somewhere or had it stored somewhere (not saying you did)..or did not protect it while entering it in atm or whatever (again not saying you did)
And it got compromised (as it clearly has)
Than you're liable for it because companies only make the fraudulent purchases, not liable of you, if you do your do diligence just like they have their part in making sure that fraud doesn't occur.
But of course, it occurs.
If your pin wasn't involved, and you let them know in a timely manner, you would have more luck.
I would go and read the agreement you signed and see if there is anything there that allows for recourse
You agree to exercise reasonable control over your Personal
Identification Number(s) (“PIN”(s)); User ID(s); and Password(s) (each referred to as a “Code” ;
Card(s), and any other item or instrument related to your Card account. You may be liable for
unauthorized transactions on your Card account(s). You agree to notify us within two (2) business days
upon learning of the loss, theft or possible unauthorized use of your Card account(s) or any Card(s) or
Code(s) tied to your Card account(s) by calling 1-86-NETSPEND or 1-866-387-7363. To reduce your
potential liability, you must call us within two (2) business days of learning of the loss, theft or
unauthorized use your Card(s), Code(s), or Card account(s). If you tell us within two (2) business days
of the loss or theft, you can lose no more than $50 if someone used your Card, Code or Card account
without your permission.
Champagne wrote:I did everything they asked and I understand you but my card does not have a chip and never would I write my PIN down, it was compromised, as you said.
I am unsure what to do but if I have to I will go to a small claims court...I don't have much documentation other than the letter of dispute I sent them, couple call logs with supervisors of Netspend, and that's about it.
JamesMS wrote:I had to do all of this when my wallet was stolen 3 years ago, and it was hell. It was stolen out of my office and it took a couple of hours before I realized it was gone. By that time, over $3k was spent. It took a couple of weeks to get everything straightened out with my bank and credit cards. There was some work involved.