I Funded My NetSpend Visa and Was Ripped Off..

Update edited in to my last post near the bottom. Excitin', ain't it?[/QUOTE]

Actually it is, as we are rolling down the highway I'm catching up on all the news:D I was thinking of getting a Netspend (I am now getting paranoid that my litle ole bank is going to come after me for using my Visa to play, play, play) ! Now I will have to rethink this...that and it seems no one could use it anyway in the last couple of days.

All I can say is "Good luck Bernie" and maybe you could sue, end up owning Rite Aid and come out with your own prepaid VISA (only good at gambling sites):lolup:
 
...a rhetorical question to which the answer was assumed to be a GIMMIE, ww! lol

Well gimmie then...

LMAO!


Oh hey - anyone worried about Netspend - DO NOT.

Netspend ROCKS for us gamblers - period.

This isn't a transaction with Netspend issue - this is someone STEALING money - and having found a way to do it - and hoping they won't get caught.
 
Oh oh oh oh - make sure if you DO get a netspend - that you get a RELOADABLE one - and that you also see that it has INTER National bank on it.

OK?

This is semi important.

Again Netspend realizes quite clearly that we gamblers are primarily using it.
 
OF PARTICULAR INTEREST:
I am able to access my account history and the $16 that was in the perp's NetSpend account has been transferred via "P2P reversal" back into my account.

Now this would be the fun part. During the investigation see how much of the jackass who stole your money's info you can get and when the dust settles, transfer his last 38 dollars into your account! :D
 
Curiosity here, why should it say Inter Bank instead of MetaBank? I have never had one minutes trouble with mine and it worked too well this weekend.
 
I was thinking of getting a Netspend (I am now getting paranoid that my Little ole bank is going to come after me for using my Visa to play, play, play)

You're not actually using a bank card or a real credit card issued from you bank, ARE you? I have never, EVER exposed my credit or bank records for anything online!!! I wouldn't buy a $2, used paperback from Amazon with my Platinum Plus Visa! That card is reserved only for totally legit purposes like medical marijuana and happy finishes at Lotus Flower Massage! I can only suggest that you don't if you haven't and quit if you are for a myriad of reasons only one of which is the one you mentioned. I'm not tryin' to scare you or nuthin' but if you're using "real" plastic online then you need to have your head examined!! :eek:

Here's the dealio: get any reloadable Visa that is convenient for you to reload securely in your area. Go to the major grocery and drug stores and see what they have hangin' (on the gift card merchandiser) then read the the terms of what's offered then talk to the manager to see that they can swipe to load - either the card itself of the reload-paks you'll pick up each time thru. If there's and Ace Cash Express close to you, try that but check their business hours and see if that's flexible enough for you and if not, alternatively you'll want to find a Rite-Aid or Piggly Wiggly or whatever that services the card you wind up with.

If your in the US, I recommend only using a prepaid card to fund QuickTender and then use them exclusively for depositing into you casino accounts. NOBODY's ever gonna crack QuickTender. They use a bunch of aliases for card transactions. It'll cost you anywhere from $2-4.95 to load the card (unless you do direct deposit -free) then 5% off the top for loading QuickTender + the transaction fee to the card (usually a buck) so I try try to load QuickTender with $500 at least to keep the costs as close to 6% as possible. When you cash out to QuickTender, (I like casinos that get the money there in a matter of hours)they'll charge you $20 to wire transfer whatever to your bank then you pay your bank their fee so playing for $150 gains for US players is kinda out, IMO.

NetSpend Visa, by the way, was actually a listed deposit method at many online casinos at one time. So they ain't proud and wont give you up.

Now this would be the fun part. During the investigation see how much of the jackass who stole your money's info you can get and when the dust settles, transfer his last 38 dollars into your account! :D

What you consider fun and what I consider fun obviously reside in separate parallel universes. lol As far as I'm concerned I'm already WAY past the point of diminished returns for chasin' this money. If NetSpend tries to burn me I'll just shoot the CEO the link to this thread with a note saying, "...was this worth the $180? Cuz' it damn sure was to me!"

Curiosity here, why should it say Inter Bank instead of MetaBank? I have never had one minutes trouble with mine and it worked too well this weekend.

Yeah, Wager Witch, what's the diff? In 5+ years I've never seen anything but Meta Bank NetSpends. My new Only1 Visa is Meta Bank and the other "chick" brand card I saw was too.
 
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Well well well - cool then.

Cause I think at first the Meta bank ones were not working at the casinos.

But if they are now - NEBBBERMIND....
 
What you consider fun and what I consider fun obviously reside in separate parallel universes. lol As far as I'm concerned I'm already WAY past the point of diminished returns for chasin' this money. If NetSpend tries to burn me I'll just shoot the CEO the link to this thread with a note saying, "...was this worth the $180? Cuz' it damn sure was to me!"

As if that ironic little kick in the butt would have anything to do with money.
 
...by the Time I Got Home and Online!

The most recent history showed my funding the card for $195.50 and within an hour or so there's an "IVR Balance Inquiry Fee" of .50 then a $4.95 debit labeled "P2P fee" and a final debit labeled "P2P" with a "user" specified by a 10 didget number (phone number) of $180.00!!! I didn't know that NetSpend was offering user to user transfers via phone! I also didn't know (and was never told) that a carbon copy of the form I filled out with the Visa number filled in was stapled to the back of So someone got my card number, invested $13.70 - $3.95 in a NetSpend account and $10.75, tax included, in a cell phone phone (number already no good) and cleared $166.30!

Their offices had been closed for a half an hour by then but here's what I think happened:

For the first time in 5 years I used Western Union to fund my NetSpend Visa at Rite Aid last week and have loaded my Visa there several times since then(Issued by Meta Bank the same as Western Union's branded Visa). Rite-Aid is closer to me than CVS (MoneyGram), the same fee ($4.50 up to $5k, I think) and easier than MoneyGram (MoneyGram you gotta go through the automated voice prompt dealio on the red kiosk phone - never 1 problem in years!) With WU grab a gray, "Pre-Paid Services Form", fill in your card number, the amount your funding and sign. Hand the form and the money to a checker and voil! It was also the first time I had to write down my Visa card number in the loading process thereby exposing it to every Rite-Aid employee and, hence, probably their extended families, too! And now this!! I wonder what kind a damage control NetSpend is gonna jerk me around with tomorrow (er, today I mean - in 2 hours and fifty-five minutes!) when I call.....? We'll see!


Thanks for posting this. I never had an issue with quicktender but now that I read this, I am not taking any chances. I deleted my main Bank card from the site and opened up another one only for quicktender deposits.I'm sorry for what your going through. I do hope your situation gets resolved.
 
Asking to see the actual NS card is SOP...I forget where, but it clearly says on the NS site that you have to show the card to the clerk when you fund it via WU..
 
Thanks for posting this. I never had an issue with quicktender but now that I read this, I am not taking any chances. I deleted my main Bank card from the site and opened up another one only for quicktender deposits.I'm sorry for what your going through. I do hope your situation gets resolved.

Good thinking and thanks. I'm glad it was only a NetSpend dealio in the first place with only the $180.00 at stake. I easily added the "Only1 Visa" to QuickTender and it works fine.

Asking to see the actual NS card is SOP...I forget where, but it clearly says on the NS site that you have to show the card to the clerk when you fund it via WU..

If that's the case, then even better. By requiring the NetSpend user to physically hand the card over to a (in my case) Rite-Aid store clerk during a WU load, NOT only is the card number compromised but the CVV as well! Thanks, winbig! It would have never occurred to me in a million years that what I thought had been put over on me was actually a required part of the procedure and stipulated by NetSpend.
 
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I never had a problem with paypal loading. That is how I always do it, but I sell on ebay for a living and most of my paypal money goes in my regular bank. The amount I put on my card is nothing compared to that.

I had no idea they would close an account. If they are doing that , netspend should take the instructions for adding paypal funds to the card off the site.
 
...I had no idea they would close an account. If they are doing that , netspend should take the instructions for adding paypal funds to the card off the site.

Why would NetSpend cut off that revenue stream when they can profit right up until PayPal takes action?

If NetSpend had any scruples this thread wouldn't exist.

I had a PayPal account for years. No more. Not for 5 years now. But that's another story...
 
Ha! Don't get me started! If you think this thread is scary, you don't even wanna hear the true horrors about PayPal. Your **** would fall off! I was fortunate enough to have been alerted and able to wash my hands of PayPal 5 years ago. PayPal IS the Anti-Christ!

I've heard horror stories about PayPal, but I've been using them for Ebay for years and to fund NetSpend for months and no problems.
 
I've heard horror stories about PayPal, but I've been using them for Ebay for years and to fund NetSpend for months and no problems.

I started with PayPal when they were still called Billpoint. I'm sure you wont have any problems using them to fund your prepaid Visa but if you ever decide to sell in a major way on eBay you might do a little research before deciding to rely on PayPal in a major capacity. I just don't mess with them any more outta principle.
 
This is just an update. I know many of those who have posted to this thread have migrated to my QT thread, https://www.casinomeister.com/forums/threads/omg-quicktender-thats-not-my-credit-card.34669/, but for those who haven't, the following email, which I just sent to NetSpend, moments ago, is a possible link between the two dealios:

Dear disputeresolution@netspend.com:

Yesterday, in my QuickTender (quicktender.com) account list of deposit methods, I found a Visa credit card listed that isn't mine and that I did not list (see attached screenshot). I don't know who Ari Danaci is nor do I know how his Visa ending in 8605 came to be listed in my QT account.

Don't ask me why but I just thought that, perhaps, this may be related, somehow, to NetSpend user 210571838's theft, via NetSpend's P2P service, of my money which, it just so happens, is the very matter being investigated by you as described in the reference number and claim number displayed in the subject of this very email. If not it's a heck of a coincidence. But I figured it wouldn't hurt to forward this info to you, in any case.

Call me "crazy"!

Sincerely,

(bernynhel)
 
Please keep us updated on this issue, it worries me as I have just started using my quicktender.

This is the NetSpend thread, dearie. :lolup:

However, I was in my NetSpend account and I wanted to use the "secure inbox" feature to but a bug in their ear via the website's internal email, and guess what? My PIN wouldn't work!! So I hadda call NetSpend and they emailed me a new PIN but when I got to my "secure inbox..."

"LOOK! Someone's been using my "secure inbox!!", exclaimed Baby Bear, "and there they are!!"

The thief, on Nov 13, the day I was ripped off had used the internal email feature on NetSpends website and there's the CSrs nasty trailings:

"11/13/2009 7:46PM cardholder transfer

I'm trying to make a cardholder trnsfer, and i was prompted to send a message from my secure inbox"


NetSpend Chester's reply to thief:

Dear (THIEF!!! -bernynhel),

Thank you for contacting NetSpend customer care. We apologize for the delayed response.

We understand that there was a block on your account.

Our records indicate that a customer service representative already assisted you with your concern.

We would like to inform you that your account is eligible for Direct Deposit. If you are receiving social security checks, IRS checks or pay checks, they can be easily deposited into your account absolutely for free.

If there is anything else we can do to assist you, please do not hesitate to contact us via email or call customer service at 1-86-NetSpend (1-866-387-7363). Answers to frequently asked questions and self-help options can be found online at Old / Expired Link.

Thank you for choosing NetSpend.

Chester
Customer Care Specialist
netspend.com: 2001-2009 : Terms & Conditions : Privacy Policy : Contact Us


Sooo now I write:

This is (bernynhel) writing THIS TIME! I logged onto my account today to see what, if anything, is happening. I was unable to access my secure inbox as my PIN , apparently, had been changed. I have used the same PIN since April 27, 2007 and my first NetSpend Card But today I tried to access my "secure" inbox and received the error message, "Invalid PIN".
So I was just emailed a new PIN, a few minutes ago. This is the first time I have used this email feature since 8/24/2009, however, I see someone else has used it. I see in the "Sent Items", "11/13/2009 7:46PM cardholder transfer" with the message, "I'm trying to make a cardholder trnsfer, and i was pormpted to send a message from my secure inbox". That message was not written by me. I have never tried to make a "cardholder trnsfer" and I see from the time of this message, this message was sent by persons unknown to me shortly after I last funded my card and just prior to my finding that I had been robbed. Chester replied to the thief's message: "Dear William,Thank you for contacting NetSpend...Our records indicate that a customer service representative already assisted you with your concern. We would like to inform you that your account is eligible for Direct Deposit... .
Chester
Customer Care Specialist."

You're more concerned with direct deposits than protecting your customers!!!

FYI, read an ongoing dicussion about NetSpend, here:

https://www.casinomeister.com/forums/threads/i-funded-my-netspend-visa-and-was-ripped-off.34577/

When you're finished, please refund the $185.45 [Debit: Balance Inquiry - IVR (-$0.50), Debit: P2P Fee (-$4.95) and Debit: $180.00 to user 2105718348 - (-$180.00)] that you allowed user 2105718348 to walk away with on November 13 without my authorization.
-(bernynhel)
 
So berny, any progress? See the QT issue was resolved for you at long last, but this is they one where someone stole your money.

Seems like too much of a coincidence (kinda like hitting an RTG jackpot) to be random that they happened within hours of each other.

I know that you said Netspend no need to involve the police for claims under $300, but I suspect that you are not the only victim.

I hate to see the bad guys get away with stuff.
 
So berny, any progress? See the QT issue was resolved for you at long last, but this is they one where someone stole your money.

Seems like too much of a coincidence (kinda like hitting an RTG jackpot) to be random that they happened within hours of each other.

I know that you said Netspend no need to involve the police for claims under $300, but I suspect that you are not the only victim.

I hate to see the bad guys get away with stuff.

Unannounced and without any preamble, A Mr. Ruben Casillas of NetSpend's Disputes Dept did telephone - while I was last minute shopping the day before ThanksGiving. I heard his voice mail, kind of - no caller ID from the 512 - unexpected. It was Wednesday, November 25, 2:15 PM PST (4:15 PM NetSpend time). I immediately returned the call to the number Mr. Casillas mumbled (like the rest of his voicemail - the number was in the call log or I wouldn't ever have even known who called, Ruben was unintelligible) so at 4:16 PM I got Ruben's voicemail. I thanked him for calling earlier, wished him a Happy Thanksgiving and expressed sincere eagerness to hear from him, again, when he returns to work. And that I'll be anticipating his call.

If you do the math, that's the 10th business day after I reported the theft of my $185.45 from my account to NetSpend. Exactly the maximum time frame "Charlotte" of NetSpend disputes quoted me in her monotone when I was to hear back from someone.

Oh! Here's a screenshot of the transaction details! (below) I hadn't had a chance to post a screenshot earlier cuz my account was locked.

$195.50 -The bottom transaction is me funding the card. Notice it says I loaded the card at "PRONTO FOOD MART AND MEXICAN GRILL"? I load my card at Albertson's.

-$0.50 - Next is the thief's balance inquiry (so he'd know how much to request at the ATM)

-$4.95 - This is the fee charged to my account for the transfer the thief requested, NetSpend's convenient new feature, Person to Person (I don't even know what NetSpend calls it - one moronic prepaid card calls their similar service "Buddy Money") transfers. Do it online or by calling a toll-free telephone number. It's quick! It's easy! And you can transfer anybody's money without their knowledge or authorization - they just need to be a NetSpend customer!

-$180.00 - The theft

$16.00 - This is the "left over" balance in the thief's NetSpend account after withdrawing his loot via ATM. The credit is a reversal of the original transaction, er, kinda, minus $164.00 is all.

So, hopefully, I'll speak to Mr.Casillas tomorrow and get credit for the rest.

Or, how does this sound:

If You Own or Used to OWN an All Access Prepaid Visa Card or a NetSpend Prepaid Visa Card Purchased at an Ace Cash Express Location or from any other retailer acting as a NetSpend Agent and if You are the Victim of a Recent Theft Because Someone, Unknown to You and Without Your Knowledge or Authorization, Transfered Your Money to Their Account and All Access or NetSpend Has Not Reimbursed You, CALL 1-800-THE CHEESEYLAWERS NOW to Participate In a Nationwide Class Action Suit Against Ace Cash Express/All Access Prepaid Visa Card/NetSpend Prepaid Visa Card!
 
I remember something you posted a long while back Bern, about how you went to fund your pre paid card and the girl swiped it twice, in the amount of 500.00 or something like that, what about the poor girl or guy and store that had to eat that loss or did you pay it back to the store and say hey you all made a mistake, i just remember that post, dont know how to find it but isnt this kinda the shoe is on the other foot now?

I dont want to seem harsh but i do remember you bragging about how you got one over on them, did you make that mistake good and let them know about it ?..................laurie
 
I remember something you posted a long while back Bern, about how you went to fund your pre paid card and the girl swiped it twice, in the amount of 500.00 or something like that, what about the poor girl or guy and store that had to eat that loss or did you pay it back to the store and say hey you all made a mistake, i just remember that post, don't know how to find it but isn't this kinda the shoe is on the other foot now?

I don't want to seem harsh but i do remember you bragging about how you got one over on them, did you make that mistake good and let them know about it ?..................laurie

I honestly don't remember the incident. Nor do I remember "bragging" about it, either. I'm also not denying it. After all, if you say so then it must be true, right, laurie?

So, in the case that I didn't do the right thing and let the store know about the double swipe and repay the 500.00, (or something like that) is your point that I had no business starting this thread simply because NetSpend was just a vehicle used by Karma to get back at me for what I had dished out and that I should have just sucked it up and kept my big mouth shut?

And if I did make it good, what's the difference in regards to NetSpend's relationship to the members of this forum and the possible risks involved in that relationship that CM members might have been unaware of?

You can rest assured that if the "double swipe" incident you described actually happened, and if it was actually something I was ever involved with, and if I never did the right thing and make it good, that Karma has come back to bite me in the ass tenfoldlong before this NetSpend (NS) incident. But if it hadn't is your point that since I'm no saint, CM members don't deserve to know what I have experienced and posted here?

Also, and I've never mentioned this here, I am certain, and only bring up now, not to brag, because I'm not proud of it, but to show, as contrast, to what may or not be the point you have neglected to state, I am guilty of crimes far more serious than one had I walked away with some cash due to the error of someone else with no pre-meditation on my part. I have masterminded, and gotten away with evil that took months of planning, knowing, all along, down to the penny, exactly how much hurt I was going to exact from a precise number of men, women and children.

OK. So maybe I am a bad guy. So because I'm a bad guy, I shouldn't share with CM members in this forum? CM members who may have had their accounts compromised by NS by using Western Union (WU) to fund their accounts, thinking everything is safe and secure?

Who have you killed, lately, laurie? Don't answer! It's a rhetorical question. You probably didn't kill anybody. Who knows?
I don't. I don't even know you. But even if you had killed someone, laurie I wouldn't care who you killed. Or didn't kill. Of if. Why don't I care? Because it's irrelevant to the mission of this forum, IMHO, and to this thread, definitely. And if did care, then I would confront you about it via PM and not in a public forum where to confront you would serve no useful point other than to, by some wild stretch of the imagination, embarrass you because I have some latent hard-on for you that I've, somehow, managed to suppress up until now.

I'm not trying to seem "harsh" here, it just comes naturally. And I'm only not trying to be harsh because I've promised that I wouldn't. Even if I am being baited via attack without provocation.

And I could have replied to your post via PM and probably should have but, as we all now know, I'm a bad guy.

A recap of the point of this thread, if I may go back on track, now:

NS suggests that one may use WU to fund a NS account.

NS stipulates that NS customers must have their NS cards present to fund via WU.

To fund NS via WU, one must write the 16 digit card number on the WU Prepaid Services (gray) form. A carbon copy of the form is stapled to the back of the WU receipt (a fact I was unaware of and never informed of until after I was ripped off).

If asked by the WU agent (in my case, three different Rite - Aid employees - none of them bonded) NS customers must present their cards exposing all of the information needed for thieves to rip them off. (Each time a Rite - Aid employee walked away a few feet from me with my card, apparently checking the card number I had written on the WU form against the actual card. Each time any one of them could have gotten a look at the CVV code on the back. I never took my eyes off them once they had my card and it didn't occur to me when the card was out of my view that the clerks might have just as easily been looking at the back and not the front. Every time they only stepped away for a few seconds).

With the account number and CVV code, using phony names and social security numbers without ever so much as needing fake IDs (No ID is required to open a NS account) thieves can simply open a NetSpend Account, purchase an untraceable, no-contract cell phone, and then, call a toll-free number provided by NS for the sole purpose of making "Cardholder Transfers" (CT - transfer of funds between NS cuatomer accounts for a fee of $4.95) and, impersonating their victims and after having made a balance inquiry, online (from a library or cyber cafe) or via telephone, move their victim's money into their new NetSpend account so they may extract the cash via ATM.(NetSpend knows the name of thuse NS's "Cardholdere perp in my case and that the account the perp used was never funded other than the required $10 when the account was first opened and that the perp abandoned the account as well as the phone number the perp registered with NS. There are no records of anyone fitting the description of the perp based on the information given to either NS or the cell phone company used by the perp, according to NS investigators).

Oh yeah, I almost forgot. In my first post I mentioned that "Charlotte" of NS's dispute department specifically told me, even after I pressed her on the issue, that filing a police report was not required and would have no bearing on the outcome of my "dispute" since the "disputed amount" was under $300.00. Well, a Mr. Ruben Casillas, the investigator in my case, just called to inform me, well past the deadline of 10 days I was promised for the resolution of my "dispute," that I must NOW file a Police Report, obtain a HARD COPY and send it via USPS CERTIFIED SNAIL MAIL in order for NS to consider my "dispute" any further. I suggested to Mr Casillas that he, and NetSpend may pursue my "dispute" up their collective ASSES as far as I'm concerned. I'll simply write off the $185.45 to experience, move on, and hope that I have helped someone else avoid the same pitfall. I have 2 new NS Visas and I will NEVER fund them via any method that compromises the security of my account info.
 
I don't care how much or little money it is, if someone screwed me like this, I'd have their asses for it. Why are you so against filing a police report? Sure you were going to use it for online gambling, but it's hardly illegal to fund a pre-paid CC.

I also remember the incident where your card was funded 2x$500.
 

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