The easiest way to file a NetSpend Dispute is to Call NetSpend Customer Service directly at 1-866-387-7363 and explain your issue to request a refund. Alternatively, file an online dispute with the NetSpend dispute form. Start by using the “fill & online” button. Submit a completed dispute notification form electronically via Netspend’s online dispute submission system.

Learn how you can file a dispute with NetSpend’s customer support team if you experience any problems with the card or feel NetSpend has charged you unfairly. 

Netspend is a popular provider of prepaid debit cards, offering debit cards for both commercials and personal use.

The Texas-based company provides prepaid debit cards as alternatives to the traditional checking account Credit or debit cards.

However, sometimes the system can crash, or you can be blocked from using the NetSpend card and using your funds. If you experience any of these problems or feel Netspend has charged you unfairly, you can file a complaint with their customer support team.

Here’s what you can do to file a dispute and request a Netspend refund.

Read: How Does Netspend Investigate Disputes?

file a dispute with netspend

How to file a dispute with NetSpend?

NetSpend sells prepaid debit cards to millions of customers every year. Most of these debit cards function as bank account to many people.

The way these cards function makes it necessary for the company to refund any unauthorized charges on your NetSpend card as soon as possible.

If you wish to deal with NetSpend personally or report an issue with your card, there are several options you can consider.

The options include calling NetSpend customer service over the phone or contacting them via email.

1. On the phone

If you have issues with your charge on NetSpend, you can easily call the customer support team and ask for help.

This is the fastest and most convenient option to file a dispute than printing and emailing the form. Call NetSpend directly at 1-866-387-7363 and wait on hold until a customer service representative is available. Explain your issue to the customer support team and request a refund.

When explaining why you’re disputing the bill, have the date of the disputed charge, the amount, and the Merchant involved ready. 

The customer service representative may resolve the dispute right then. However, they may also need to investigate further depending on your complaint.

If they ask you for time to investigate, you’ll have to wait for the company to contact you after its investigation. The company may try to bait you with new deals that dissuade you from your decision.

If you call them through the phone, resist the urge to stay with the company. 

2. Fill out the dispute form.

You can use a NetSpend dispute form to submit your complaint about a charge. Start by using the “fill & online” button.

Tick the preview image on the form, and you’ll be directed through the editable PDF template.

Submit a completed dispute notification form electronically via Netspend’s online dispute submission system. 

3. Write a letter

Alternatively, you can write a letter to the company. Send a written statement of an unauthorized debit card to resolve this issue.

Access NetSpend written statement of unauthorized debit and click on the “print form” button in the lower-right corner of the form. Provide the details such as your name, account number, amount and debit card, and the name of the Merchant involved in the disputed charge at the top of the page.

In the middle of the page, there is a list of different disputes with checkboxes. Check the box that applies to you, sign and date the form at the bottom.

You may also scan the completed form and email it to However, this process will take longer than filing a phone dispute. 

Read: Does NetSpend Charge for Transactions?

How Do I Dispute An Unauthorized Charge With NetSpend?

Call Netspend’s customer service number on the phone. This is the best way to express your concerns directly to an agent regarding the unauthorized charge.

Use the opportunity to explain the problems facing clearly without leaving out any important details. The customer service representative answers questions about the Netspend prepaid card and may start a refund.

Visit NetSpend customer support center to request technical help. Most people seek support on the helpdesk before exploring other support options.

You can also email the customer representative through their secure inbox. Emailing a written statement of unauthorized charge with NetSpend ensures you have a copy of exactly what you communicated to their customer representative.

It is another way to seek support from NetSpend if you don’t want to speak with a customer representative. You have to send a few emails back and forth as the customer service seeks clarification.

Can you get a refund on your NetSpend Dispute?

Yes, you can get a refund on your Netspend dispute if they have charged you wrongly for your Netspend card. However, it depends on the reasons you request a refund.

You have a high chance of getting a Netspend refund if your account is locked and you can’t use the funds on it or when you are dissatisfied with the card. If NetSpend locks your account, it is a complex issue for the company with dire consequences.

You have a higher chance of getting a refund if you request to lock your account.

Netspend charges fees when making any purchase or money transaction. You also pay an inactive fee if you don’t use the Prepaid card regularly. However, if you are charged wrongly, you are eligible for a refund.

After the IRS sends it to your NetSpend card, you can only use the refunds. This can take up to 10 business days to process and respond to your complaint. Anything beyond ten days is not allowed, and you can consider making more inquiries.

You can also report a problem with NetSpend and get refunds in special circumstances. The corporation provides refunds to settle FTC charges.

While you can’t get a refund once after buying the NetSpend card, you can cancel it after withdrawing all the funds you have on it. 

NetSpend doesn’t have a clearly defined refund policy. As a result, there is no definite set time to determine when you’ll get a refund.

However, if you don’t get a refund after requesting, wait at least 21 days before inquiring about it. In most cases,

NetSpend mails your refund check within 30 days of making your request. 


The best way to file a dispute with NetSpend is by contacting their customer service number.

Use the phone as the fastest and most convenient way to resolve problems.

Emailing customer representatives the written statement of unauthorized debit is a better bet if you want to ensure you have a copy of the information you communicated to start this dispute.

Ensure you provide all the important information to resolve an issue efficiently.

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