Are you looking to sue Netspend for some wrong that they have done? If so, you are not alone. Many people have experienced issues and frustrations with the Netspend debit card system and have been looking for ways to effectively sue the company. In this blog, we will provide you with the information you need to know about suing Netspend and how to go about taking action.

What Is Netspend?

Netspend is an American financial services company that offers prepaid debit cards to individuals and businesses. It began in 1997, when Netspend started providing prepaid debit cards to consumers. Initially, the cards were only available in the United States, but the company quickly expanded to other countries. Since its inception, Netspend has become a leader in the prepaid debit card space. The company now provides services to more than 10 million customers in the United States, Canada, and Puerto Rico. In recent years, the company has also begun offering other financial services, such as bill pay and merchant services. Today, Netspend continues to provide millions of customers with the convenience of having a prepaid debit card.

What Can You Sue Netspend For?

There are a number of reasons why you may want to sue Netspend, such as:

  • Unauthorized charges or fees
  • Unauthorized access to your account
  • Violation of the Fair Credit Billing Act
  • Violation of the Electronic Funds Transfer Act
  • Unauthorized access to your personal information
  • Refusal to honor a customer service request
  • Unauthorized collection of debt
  • Refusal to provide a refund of fees
  • Refusal to honor a customer’s request to close an account
  • Unreasonable collection practices
  • Misrepresentation of services
  • False advertising
  • Refusal to honor a customer’s dispute of a charge or fee
  • Unsatisfactory customer service

How to Sue Netspend

If you believe that Netspend has wronged you and you want to take legal action, the first step is to figure out what type of case you have. Depending on the type of case you have, the process for suing Netspend can vary:

Federal Court

If your case is complex and involves a significant amount of money, then you may need to file a lawsuit in federal court. This process is more complicated, and you will need to make sure that you comply with all the rules and regulations of the court. You will also need to hire an attorney to represent you in court.

Small Claims Court

If you have a simple case against Netspend and are seeking a small amount of money, then you may be able to file a claim in small claims court. The process is usually quite simple, and you don’t need an attorney to represent you. Before filing a claim in small claims court, make sure to do your research and make sure that you have a valid case.

With Dispute's software, you can start your small claims case by generating, signing, and mailing a demand letter and small claims filing in minutes from your phone or computer. Keep reading below for more info on how to move forward.

Write a Demand Letter

demand letter is a formal letter asking for payment. Strongly worded demand letters on professional letterhead have a better chance of reaching a settlement out of court than regular letters. At Dispute, you can generate a demand letter in minutes.

  1. On the top, in the address block, put in the company name and address. You can find the registered agent at the bottom of this page.
  2. Next, put the subject line as 'Re: Demand for Payment'
  3. In one sentence, tell them how much the other party owes you which you will claim in your small claims lawsuit.
  4. Then, in two to three sentences describe your issue.
  5. Finally, state in plain language that you will go to small claims court if necessary. Don't say that you will do anything else, such as speaking poorly about them.
  6. On the bottom, include your name and address

How to Send a Demand Letter

After you write the demand letter, you’ll want to send it to their registered agent so that it’s guaranteed to go to the legal department. Make sure that you get a tracking number for the mail you send them. It can become important evidence in your case.

Demand letters are often mailed. But if you don’t have time to find a printer, buy an envelope, and visit a post office, we can mail it for you. Send your demand letter with just a click from the comfort of your home with Dispute.

Start your Small Claims Forms

If the dealership does not pay you after receiving the demand letter, you can file a small claim to win your money back. Although this may sound complicated, small claims is actually less complicated than regular court. There are some county guidelines you’ll have to follow, but filing with Dispute can make it easier on you.

You’ll need to find and prepare your small claims form based on where you decide to sue. Usually, people sue where the defendant lives or does business.

Then, wherever you decide to sue, look up the county's small claims system. They’ll provide details on their website about what small claims forms are necessary. You can read more about the small claims process here.

Serve your Small Claims Paperwork

One of the last steps before your trial will be to physically give the small claims paperwork to the defendant. This is called “serving” the defendant. You can’t serve the defendant yourself, but you can find someone else to do it. Many people hire professional process servers. There are legal guidelines that you must follow so that your case can go to court.

Defendants may sometimes avoid service. In order to keep your court date, you should hire a professional process server so that you can be sure all legal guidelines are appropriately followed.

Attend your Small Claims Trial

On the date of your small claims trial, be sure to arrive early and well prepared. Bring at least three copies of all evidence you intend to present, and if your hearing is remote be sure to have provided copies in advance to the other party and to the court. Failure to follow the strict local guidelines can result in your case being dismissed, but if you’ve followed the rules then you can often win by default when the other party doesn’t show up.

How Much it Costs

So how much will you spend by suing in small claims court?

  • Court Filing Fees: The amount you will pay to file a small claims lawsuit depends on how much you are suing for and where you are suing. You can expect to pay between $30 to $400 to file the lawsuit. If you cannot afford to pay court fees, you can ask the court to waive the fees.  ‍
  • Serving Costs: Once the lawsuit is filed, you must notify the defendant that you have sued them. This is called "serving." Serving Costs can range from $20-100 depending upon the local area.

‍Remember, if you win, you can request that the other party pay for your court fees and serving costs.‍

The Benefits of Small Claims Court

  1. Court filing fees are cheaper in small claims than in other courts.
  2. The process is faster in small claims than in other courts, as your hearing will usually be scheduled 30-70 days after you file the lawsuit.
  3. Lawyers are generally not allowed in small claims, which helps keep the costs of suing low.  

Taking the First Step in Your Lawsuit

If all of this work seems complicated or daunting, rest assured that it's easier than it initially seems. 2.7 million small claims court cases are filed annually in the US, which is only growing as more people realize how easy it is to enforce their legal rights in court.

Suing can be a complex and challenging process. It's essential to gather evidence and understand the legal process. If you believe that you have been the victim of this crime, don't hesitate to seek legal advice. By taking action, you can hold the company accountable for its actions and receive the compensation you deserve.