Never had a problem with them until today. Went to store tried to purchase said it was declined (had money on the card) merchant told me to swipe again, I swiped again, declined. Took all the money. It's says pending. The merchant says they don't have any money from the transaction. NetSpend asked me to send an email in writing from the merchant saying that the transaction was canceled. What? Are you serious. I need my money now. Email? This policy is horrible.I think I'm done after 5 years..sad