I Funded My NetSpend Visa and Was Ripped Off..

[jelsmith]

Here is the problem with NS. They are in fact backed by a bank. That bank is required by law to follow the rules. Anytime a fraudulent charge is made the customer has RIGHT to dispute that charge. NS can not simply just brush off customers the way they are doing to berny. The comptroller of the US fields complaints about banks. I would let them know you will be calling and filing a complaint. I guarantee you they will get off their behinds and work out the issue. I had to file a complaint with them once when an atm in NYC ripped off my debit card number because the bank refused to help. I had a call back and $ credited about 4 hours after I told them I filed the complaint.

 

[bernynhel]

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...

Sorry about the double post, here, but I just remembered the incident, so no need for you to "find it" cuz here it is: You're exactly right, laurie, I went to Ace Cash Express near my home in L.A. on Venice at National. I gave $502.00 to load my NS Visa Card. The gal behind the glass swiped my card but said it didn't go through and asked for my card back, swiped it again, said, "OK" and passed by card back to me under the glass. When I got home, I found that my NS balance was $1,000. I had a ball. I didn't even go back to that ACE store cuzza my windfall might have been rescinded. It was, any, way, eventually they got me when my NS balance was over $500. Poof! Easy come, easy go.

There. Still, how was that useful? To anybody? I'm not mad at you, so don't get me wrong! I'm just glad I'm not you.

 

[winbig]

Maybe you and the thieves deserve each other? Seems you're winning - $180 vs $500...

Do you have any morals? I'm sure someone at that check cashing place had to eat the money, the same as you are doing now; and if you want to get technical, they would have every right to file charges against you to get that $500 back. I'd be amazed if that clerk in question didn't get fired.


I'm not sure why they didn't pursue it, so consider yourself lucky.

Here's the OP if anyone is interested:

https://www.casinomeister.com/forums/threads/anyone-reloadable-netspend-not-working.23609/

Karma:
Karma is a concept in Hinduism which explains causality through a system where beneficial effects are derived from past beneficial actions and harmful effects from past harmful actions ...

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[bernynhel]

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.

So what's your point about the 2x$500? How is that useful? I remember it too, (read down.) Is this thread now irrelevant? Or was lj's post about the "extra 500" + your 2 cents just more relevant? Any further discussion, from anybody, regarding any aspect regarding the "extra 500" I'll be happy to address via PM. Go ahead! Bring it!

In answer to a relevant point you made: I'm already past the point of diminishing returns on the $180. Another second of my time invested in the recovery of the $180 is simply additional loss to me. That includes wasting more time on police reports after NS told me on 11/14 that no police report was necessary.

That I'm expected to answer to petty BS contained in irrelevant posts that have nothing to do with the issue but everything to do with personalities and the popularity contest so many here eagerly invest so much time in, isn't helping.

As far as having someone's ass, I have appointments with 2 law firms who are considering a class action against NetSpend. They think, as do I, that enough people are getting ripped off like I did to warrant it. This has nothing to do with the $180 or diminished turns. This is all about get-back! Also, consider the following, my final communication to NetSpend on this matter:

 

[LaurieJim]

Maybe you and the thieves deserve each other? Seems you're winning - $180 vs $500...

Do you have any morals? I'm sure someone at that check cashing place had to eat the money, the same as you are doing now; and if you want to get technical, they would have every right to file charges against you to get that $500 back. I'd be amazed if that clerk in question didn't get fired.


I'm not sure why they didn't pursue it, so consider yourself lucky.

Here's the OP if anyone is interested:

https://www.casinomeister.com/forums/threads/anyone-reloadable-netspend-not-working.23609/

Karma:
Karma is a concept in Hinduism which explains causality through a system where beneficial effects are derived from past beneficial actions and harmful effects from past harmful actions ...

You do not have permission to view link Log in or register now.

This wasnt meant as a slam at you, well really it was to be honest, my best friend is a manager at one of these check cashing places, 3 kids, no husband, she did the same thing as the clerk did for you and guess what, she had to replace the 300.00 herself over get demoted, so she paid the 300.00 out of her check, her kids didnt go hungry that week as she had to borrow money from me to make it on till the next pay period, so yes Bern, it pissed me off that you gave so little concern about that lady who made the mistake as everyone suffers from a snowball affect.

I have no ill will towards you, but with a couple of threads you have going about how you got ripped off , it made me remember how my poor friend felt and how she got ripped off also......................laurie

 

[bernynhel]

This wasnt meant as a slam at you, well really it was to be honest, my best friend is a manager at one of these check cashing places, 3 kids, no husband, she did the same thing as the clerk did for you and guess what, she had to replace the 300.00 herself over get demoted, so she paid the 300.00 out of her check, her kids didnt go hungry that week as she had to borrow money from me to make it on till the next pay period, so yes Bern, it pissed me off that you gave so little concern about that lady who made the mistake as everyone suffers from a snowball affect.

I have no ill will towards you, but with a couple of threads you have going about how you got ripped off , it made me remember how my poor friend felt and how she got ripped off also......................laurie

there should be a reply to this in your PMs laurie

 

[winbig]

Even if they got their money back, something doesn't sit right...there's no reason you shouldn't take this up with the police.

 

[winbig]

there should be a reply to this in your PMs laurie

The same PM you sent me that was fwd'd to Bryan and Simmo? I feel a ban coming on.

 

[Jasminebed]

All it would take on the part of Netspend is to have a pin number for your netspend account to make a balance inquiry or a transfer. I have to enter my pin to access telephone banking or my credit card.

I have heard of banks denying claims for un-authorized use of debit cards when the pin was four identical digits or 1234.

And thanks so much for detailed instructions for any wanna-be thieves out there.

 

[4 of a kind]

I followed this bullshit thread just to see what may come of it.

I've concluded that if bernynhel lost his NetSpend card more then seven times as he said in other thread where he also states he beat the teller out of $500.00 dollars, and had 2 cards active at one time; something is really starting to stink around here.

 

[bernynhel]

Even if they got their money back, something doesn't sit right...there's no reason you shouldn't take this up with the police.

I've given every reason possible why I shouldn't take this up with police.
1. I've written off the loss
2. I don't need any further aggravation over the deal
3. I've replaced the card
4. I've sought to inspire a class action against NetSpend
5. A thousand more reasons, ad nauseum

Nevertheless, since you only see what you want to see, please see closely, again, here: Link Outdated / Removed
and read the small print in my email to NetSpend, near the bottom of the first screenshot, not that I have to justify my actions to you or to anybody else.

And you can sit something in any position you fancy, for all I care. What have I got to gain or lose from it? I started this thread to help CM members avoid the same situation. Not for all the love and support I'm getting for my efforts from the peanut gallery.

The same PM you sent me that was fwd'd to Bryan and Simmo? I feel a ban coming on.

As if I ever thought you'd just handle your own business and not run and tell mommy.

All it would take on the part of Netspend is to have a pin number for your netspend ...thanks so much for detailed instructions for any wanna-be thieves out there.

My posts are not theories. This is exactly how my money was stolen according to NetSpends own investigation.

I followed this bullshit thread just to see what may come of it. I've concluded that if bernynhel lost his NetSpend card more then seven times as he said in other thread where he also states he beat the teller out of $500.00 dollars, and had 2 cards active at one time; something is really starting to stink around here.

As if I care what you smell. I have two active cards because the only outlet for NetSpend is 40 miles from here. They cost $3.95 each and only require a $10 load with purchase. I've used NetSpend cards since before joining CM. I often had multiple accounts to aid in tracking deposits at different casinos. It's NOT a puzzle. But if you think I give a care as to what you've concluded, or if you've made the mistake of thinking that I've posted a single word of this thread to please YOU, then, be certain, I've concluded something, too. But I wouldn't have the bad manners to air what that is in a public forum, nor would I, since I don't even know you, bother with a PM.

I'm done with this thread. You all can heed or ignore any part of it or all of it. I just wish I had the time back I've wasted in posting here. Believe me, nothing has changed one iota in my dispute with NetSpend as a result of a single post to this thread, other than my own.

Does anyone really think I give a flip about even one of the opinions any of the above quotes express about me, personally? The only reason I have even bothered answering to a single quote here, is the same reason that I started this thread to begin with: so that someone reading this thread won't just think its just "bullshit" and, hopefully, avoid a loss. And if anyone doubts my word on any of it, then just ask yourself, what possible benefit could I derive from spending so much time and effort just for the sake of fabricating a single word of it? I, for one, am at a loss to understand what benefit a single one of my above detractors could possibly be seeking in exchange for their negative comments, let alone any justification for making such posts in the first place.

Furthermore, when I added $1000 to that NetSpend account a fairly short while after the "extra $500" was accidentally loaded into my account, $500 of it vanished. (https://www.casinomeister.com/forums/threads/anyone-reloadable-netspend-not-working.23609/ that post, by the way, from March 2008. Not half the uproar then that there is now, and winbig never said a word against it - then! -just a post complaining that his NetSpend wouldn't work at casino such-and-such. Hmmm.) Not a trace of the "extra 500" in my transaction history. The original depit description disappeared and there was no entry for the "vanishing $500". Just an extra $500 in unexplained debits that made the math all wrong. I didn't bother filing a complaint, naturally. To be honest, before loading the $1000, I loaded $20 and hung around for a half an hour or so to see what happened, just to be on the "safe" side, all the while with the $1000 in my pocket. The lady who made the error only mentioned it once. Never a word from NetSpend. And they had my real address and phone number. So did I load the $1000 just cuz I'm stupid? Did I load the $1000 really thinking half of it was going to vanish and square me and NetSpend? I don't know. I probably wouldn't have ever used that card again but I lost the one I was using and didn't want to take a chance being limited to using a new and therefore, as yet, un-personalized card. Besides, WHO CARES?!?! It's a moral issue. It's STILL got nothing to do with this thread, now, does it?

P.S. A public apology to winbig for my private post; Sorry, when I feel I'm under attack I'm, uh, not so nice.

 

[bernynhel]

I don't know why I'm even bothering. Seems like I'm addressing nothing more than a bunch of nattering nabobs of negativism and, believe me, there was a time I would rather have had my tongue cut out than to quote Spiro Agnew. But nothing is too good for my fellow CM members.

It is with that preamble I present "Victory!" The following attachment, my victory lap. Who bad now, sukkas?

 

[vegetagirl2008]

Sorry about the double post, here, but I just remembered the incident, so no need for you to "find it" cuz here it is: You're exactly right, laurie, I went to Ace Cash Express near my home in L.A. on Venice at National. I gave $502.00 to load my NS Visa Card. The gal behind the glass swiped my card but said it didn't go through and asked for my card back, swiped it again, said, "OK" and passed by card back to me under the glass. When I got home, I found that my NS balance was $1,000. I had a ball. I didn't even go back to that ACE store cuzza my windfall might have been rescinded. It was, any, way, eventually they got me when my NS balance was over $500. Poof! Easy come, easy go.

There. Still, how was that useful? To anybody? I'm not mad at you, so don't get me wrong! I'm just glad I'm not you.

Bern this is where I have to disagree with you. When I make a deposit to my card I look at the receipt before I leave the store. IMHO I would of went back and told that girl she gave me 500 too much. There is a saying that what goes around goes around. That girl could of gotten fired maybe could of had criminal charges brought against her. A lot of things could of transpired. I'm just saying though.

 

[kauphy]

hi bernynhel in one of ur post you said you did,nt need to show i.d in order to get a netspend card. here where i live they make you show i.d before you can get a netspend card. and belive me i know everyone at the check cashing place and i still had to show i.d they told me netspend will not give you one without i.d and in some cases you had to prove that you were a u.s cizien. i know when i frist got one that they did,nt do that but just the other day i got one again and they now do. i just read in one of the post that they said something about you having more then one card. whats the big deal about that i at one time had 4 cards. i,m down to 2 right now. its nobodys business how many cards one person has if they want to pay the fees. some of the post here has nothing to do with what this thread is all about and i,m glad that bernynhel posted about what he is going though caz i will watch mine more closely as if i don,t now lol. but i,m glad caz its a heads up about what could happen.

 

[kauphy]

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

laurie that same thing happened to me. the frist one would not go though so they swiped my card again and when i got home i saw that in fact both of them went though and when i went back to make it right caz i did,nt want anyone to get into trouble i was told no only one went though. i know these people real good so i know they would have told me the next time they saw me that i needed to make it right but they never said a word. and it happened more then once and each time i was told only one went though so when it did happen again i just let it go. so in my case it showed that only one went though and there was nothing i could do. they were not short on money so they did,nt get into trouble and if they would have taken the money that i tryed to give them it would have put them over and they would have gotten into trouble for overchargeing someone. so sometimes it does happen and theres nothing you can do about it.

 

[Mavin1]

Not that I deal with Netspend or know the first thing about it, but I agree with Kauphy and mistakes can happen on both sides. There has been a few times I would notice a duplicate charge on my bank account, I would call the bank about it and where the charge was made and they assured me the duplicate charge would drop off after pending and it always did.

 

[bernynhel]

hi bernynhel in one of ur post you said you did,nt need to show i.d in order to get a netspend card. here where i live they make you show i.d before you can get a netspend card. and belive me i know everyone at the check cashing place and i still had to show i.d they told me netspend will not give you one without i.d and in some cases you had to prove that you were a u.s cizien. i know when i frist got one that they did,nt do that but just the other day i got one again and they now do.

In Los Angeles they're supposed to ask for ID too. That's NetSpend's rule, but they don't. But some NetSpend cards were sold in grocery stores and drug stores. They were just mixed in with the phone cards and gift cards display.

You would just pick the packet with the card inside, and just pay for it and load the minimum at check out. Albertson's had em. They they stopped carrying them. But now I see Albertson's has the Only1 Visa and the Splash Visa. Both are reloadable, and no ID required and they're also issued by Meta Bank, same as NetSpend. I've only been asked for ID, one time and I was just loading my card but it was a check cashing place I had never been before, and I had NetSpend cards for several years in L.A. I could have had a card with Bozo the Clown embossed on it, I guess.

laurie that same thing happened to me. the frist one would not go though so they swiped my card again and when i got home i saw that in fact both of them went though and when i went back to make it right caz i did,nt want anyone to get into trouble i was told no only one went though. i know these people real good so i know they would have told me the next time they saw me that i needed to make it right but they never said a word. and it happened more then once and each time i was told only one went though so when it did happen again i just let it go. so in my case it showed that only one went though and there was nothing i could do. they were not short on money so they did,nt get into trouble and if they would have taken the money that i tryed to give them it would have put them over and they would have gotten into trouble for overchargeing someone. so sometimes it does happen and theres nothing you can do about it.

It wasn't the same thing, kauphy. They really did put an extra $500 on my card. How many times did you think they over-funded your card and you went back to make it good? lol

 

[kauphy]

In Los Angeles they're supposed to ask for ID too. That's NetSpend's rule, but they don't. But some NetSpend cards were sold in grocery stores and drug stores. They were just mixed in with the phone cards and gift cards display.

You would just pick the packet with the card inside, and just pay for it and load the minimum at check out. Albertson's had em. They they stopped carrying them. But now I see Albertson's has the Only1 Visa and the Splash Visa. Both are reloadable, and no ID required and they're also issued by Meta Bank, same as NetSpend. I've only been asked for ID, one time and I was just loading my card but it was a check cashing place I had never been before, and I had NetSpend cards for several years in L.A. I could have had a card with Bozo the Clown embossed on it, I guess.



It wasn't the same thing, kauphy. They really did out an extra $500 on my card. How many times did you think they over= over-funded your card and you went back to make it good? lol

i,m bad sorrie. so what she did was put it on twice and only charge you once for it. it happened 3 times to me and i went back twice to make it right the 3rd time i did,nt caz i knew it would do no good. again sorrie.

 

[bernynhel]

Bern this is where I have to disagree with you. When I make a deposit to my card I look at the receipt before I leave the store. IMHO I would of went back and told that girl she gave me 500 too much. There is a saying that what goes around goes around. That girl could of gotten fired maybe could of had criminal charges brought against her. A lot of things could of transpired. I'm just saying though.

I have never looked at my receipt. Well, maybe a little peek, once. But not before leaving. And only if there was a problem later. I still don't check my receipt. Not in a grocery store, not at McDonald's, not at car wash (I just hand it over when dude holds up a towel). That's just me.

And you're absolutely right about what I should do if something like that happens again. And lauriejim is right. And everybody is right.
But why is everyone hijacking THIS thread to discuss it, alluvasudden? That was a year anna half ago! lol I'm just saying though. Everyone who agrees with lauriejim that I'm a dickhead should go start a "bernynhel's-a-dickhead-thread" cuz this here is BS! I'll come thank everyone who posts and I'll quote every post in total agreement. M-kay?

 

[LaurieJim]

I have never looked at my receipt. Well, maybe a little peek, once. But not before leaving. And only if there was a problem later. I still don't check my receipt. Not in a grocery store, not at McDonald's, not at car wash (I just hand it over when dude holds up a towel). That's just me.

And you're absolutely right about what I should do if something like that happens again. And lauriejim is right. And everybody is right.
But why is everyone hijacking THIS thread to discuss it, alluvasudden? That was a year anna half ago! lol I'm just saying though. Everyone who agrees with lauriejim that I'm a dickhead should go start a "bernynhel's-a-dickhead-thread" cuz this here is BS! I'll come thank everyone who posts and I'll quote every post in total agreement. M-kay?

Good Lord Bern, your no PECKERHEAD, Im to much of a lady to say DICKHEAD, I just had to get that post off my chest, as i said this wasnt a damn Bernie to hell and back slam against you, im just a firm believer that if someone makes a mistake and you know it, make it right as Karma can be a BEOTCH sometimes.................laurie

 

[bernynhel]

Good Lord Bern, your no PECKERHEAD, Im to much of a lady to say DICKHEAD, I just had to get that post off my chest, as i said this wasnt a damn Bernie to hell and back slam against you, im just a firm believer that if someone makes a mistake and you know it, make it right as Karma can be a BEOTCH sometimes.................laurie

LOL I was being facetious. Kinda. We're cool! Besides, if you all got together and did start a "bernynhel's-a-dhead" thread, I said that I'd "come thank everyone who posts and I'll quote every post in total agreement."

 

[bernynhel]

Resolved!!!

At 8:30 AM Barbara Core, the Director of NetSpend's Call Center Services, telephoned me via her direct line (withOUT a block on the caller ID) to inform me that:

a. She was very sorry for the inconvenience I was caused in this matter but wanted to thank me for pursuing it to the point of getting it escalated within NetSpend so that the matter came to her attention.

As a result, she is making several changes in NetSpend's policies including the criteria which NetSpend uses for requesting customers to obtain police reports.

Also, as a result of my having raised "certain red flags", NetSpend Security has escalated their investigation to include outside law enforcement agencies. I assured Ms Core that I would forward a police report copy once it is available to me.

b. The balance of the $185.45 fraudulently transferred from my account on 11/13 (less the $16 of the original amount stolen which had been returned via a reversal of the original Cardholder Transfer used for the theft) would be applied to either of the two, new NetSpend accounts I have since, opened (so I told her my preference and the money was credited.)

For CM Members who have NetSpend Accounts: There's a couple of names and titles of two higher ups at NetSpend within this thread should a problem you may have with some aspect of your NetSpend service not be resolved to your satisfaction.

To the CM Members who posted with empathy and support: Thanks! I hope this thread can be of some help.

To you "other" CM Members, whom I wont bother naming as to do so, I feel, at this point, would only bring me down to whatever level you must have been at to compel you to have made the kinds of posts you made: Thanks for nothing. And get some help.

Good luck!

 

[LaurieJim]

At 8:30 AM Barbara Core, the Director of NetSpend's Call Center Services, telephoned me via her direct line (withOUT a block on the caller ID) to inform me that:

a. She was very sorry for the inconvenience I was caused in this matter but wanted to thank me for pursuing it to the point of getting it escalated within NetSpend so that the matter came to her attention.

As a result, she is making several changes in NetSpend's policies including the criteria which NetSpend uses for requesting customers to obtain police reports.

Also, as a result of my having raised "certain red flags", NetSpend Security has escalated their investigation to include outside law enforcement agencies. I assured Ms Core that I would forward a police report copy once it is available to me.

b. The balance of the $185.45 fraudulently transferred from my account on 11/13 (less the $16 of the original amount stolen which had been returned via a reversal of the original Cardholder Transfer used for the theft) would be applied to either of the two, new NetSpend accounts I have since, opened (so I told her my preference and the money was credited.)

For CM Members who have NetSpend Accounts: There's a couple of names and titles of two higher ups at NetSpend within this thread should a problem you may have with some aspect of your NetSpend service not be resolved to your satisfaction.

To the CM Members who posted with empathy and support: Thanks! I hope this thread can be of some help.

To you "other" CM Members, whom I wont bother naming as to do so, I feel, at this point, would only bring me down to whatever level you must have been at to compel you to have made the kinds of posts you made: Thanks for nothing. And get some help.

Good luck!

Im glad you has this resolved Bern, now im off to get some HELP.............Laurie

 

[bernynhel]

Im glad you has this resolved Bern, now im off to get some HELP.............Laurie

THANK YOU, LAURIE! (you has been removed from my "ignore" list )

 

[prindi]

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.

Meki is ABSOLUTELY correct! Meta bank ( sister bank to Inter National bank) will REJECT gaming transactions 100% of the time. Now Bern, the only reason why GM went through is that they do not process it as a gaming transaction. di