How Do I Dispute an Unauthorized Charge with Netspend?

This article talks about what to do if there has been a fraudulent charge on the prepaid debit card you bought from Netspend. Instructions are provided for filing a dispute of a fraudulent charge using Netspend's dispute form, and also for filing a dispute by calling their customer support line.

Netspend sells prepaid debit cards to millions of customers a year. For many of them, these debit cards function as a bank account. This can make it particularly important o get any unauthorized charges made on your Netspend card refunded as soon as possible.

Send a Written Statement of Unauthorized Debit

One way to get his issue resolved is to use Netspend's dispute form.

  1. Access Netspend's Written Statement of Unauthorized Debit here.
  2. Click on the Print Form button in the lower right corner of the form.
  3. Fill in your name, account number, amount and date of debit, and the name of the merchant involved in the disputed charge, at the top of the page.
  4. In the middle of the page is a list of different types of dispute, with checkboxes. Check the one that applies to you.
  5. Sign and date the form at the bottom.
  6. Scan the completed form.
  7. Email the scanned file to

Call Customer Support

If you feel that printing and emailing the form in will take too long, you can try to file a dispute by phone.

1. Call Netspend's customer service number. You find it here.

2. Wait on hold until a customer service representative is available.

3. Explain to the representative why you are disputing the bill. You should have the date of the disputed charge, the amount, and the merchant involved ready.

4. The representative may resolve your dispute right then. However, he or she may need to investigate further. In that case, you will have to wait for Netspend to contact you after its investigation.

Usually, the best way to get Netspend to resolve the problem as quickly as possible is to use the phone. Emailing them the Written Statement of Unauthorized Debit is a better bet if you want to make sure you have a copy of exactly what information you communicated to Netspend to initiate this dispute. If these methods prove problematic for some reason, you can get hold of their customer service help forum. You can find a link to it here.

How Do I Dispute an Unauthorized Charge with Netspend?

Why Did GetHuman Write "How Do I Dispute an Unauthorized Charge with Netspend?"?

After thousands of Netspend customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together How Do I Dispute an Unauthorized Charge with Netspend? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting Netspend if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.

Why does GetHuman Write How-to Guides for Netspend Problems?

GetHuman has been working for over 10 years on sourcing information about big organizations like Netspend in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our How Do I Dispute an Unauthorized Charge with Netspend? guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.


Asked 2 years ago
Updated 2 years ago
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