Business Profile

Bank

Pathward Venture Capital, LLC

Headquarters

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Complaints

This profile includes complaints for Pathward Venture Capital, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

750 total complaints in the last 3 years.
203 complaints closed in the last 12 months.

If you've experienced an issue

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The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:04/22/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I purchased two $200 prepaid visa cards from ********** that was issued by Pathward NA bank. I immediately began to use them as soon as I received the digital visa gift cards. I made a couple purchases of which I had no issues. When I tried to make another purchase on both gift cards I got a message saying they were declined. So I went to check the cards and they showed the remaining balances on each of the card but, said they were on hold and for me to reach out to the customer service number on the back of the card. This was impossible because they are digital cards. So I reached to find the number to call. When I called Pathward NA they gave me the runaround with a bunch of lies. At the beginning of the call they asked for personal information such as social security number and date of birth. I asked them what does that information have to do with the cards. They could not answer me. I refused to give them that information. They gave me a hard time and are refusing to give me my money back for the remaining balance of $89.28. If I have to I will file a class action lawsuit.
Business Response
Date: 04/23/2025
We're unable to identify the accounts with the name, address, and details provided. Please provide the 16-digit card number or screenshots of the of the digital cards. For a quicker resolution, email the information directly to ************************. For direct assistance at Pathward, call ************.
Initial Complaint
Date:04/21/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have been being financially abused by this prepaid card distributor. My tax refund was sent to a debit card provided by them and they have maliciously refused to send me my replacement card with MY federal taxes on it. A rep initially requested I email them documents while we were on the phone and when I sent all the requested documents, the back office reps vindictively requested more unnecessary letters and documents. This has happened at least 3 different times. I have had to sleep outside several days due to their malice and them intentionally giving me a hard time about funds that are legally mine. They have put me in financial hardship and subjected me to physical attacks.
Business Response
Date: 05/06/2025
Hello ***** ******

Thank you for
contacting Pathward via the Better Business Bureau regarding your issue. In
your complaint, you advised that you have been unable to get a replacement card
that has your federal tax return on it despite sending in all requested
documents.

Our records
indicate that on April 21st, a dispute for several transactions was
filed and a replacement card was requested.
This request was fulfilled, but on April 23rd, we received an
alert of potential fraud. Because of
this, the account was marked as 'Fraud' as we investigated further. As a result of our investigation, Pathward
has closed the account and issued a refund check for the remaining amount of
$124.21. Please note the account cannot
be reopened.

After
investigating the dispute that you filed, we found the transactions to be
legitimate, and the dispute was denied.
After receiving your complaint, the dispute was reviewed and remains
denied. A dispute denial letter has been
sent and will provide more context. This
account has a zero balance and is permanently closed.

Should you have
continued concerns, please do not hesitate to reach out to Pathward at *************

Sincerely,
Pathward Customer Service
Customer Answer
Date: 05/10/2025
These liars have absolutely NOT sent me or issued ANY refund check to me!!!! They have repeatedly refused to send me anything after requesting asinine documents. Their last excuse was they couldn't send my check to a post office box!!!! These disgusting beings are absolutely unethical LIARS!!!!!
Business Response
Date: 05/13/2025
Hello ***** ******
Check number ****** was issued to ***** ***** at **** *** ******** **, Atlanta, GA 30349. It has not been cashed. We advise 10-14 business days for delivery. You should have it by Friday, May 16th. If you do not receive it by the 17th, email **************************** with your BBB case number in the Subject of the email and advise the check has not been received. It'll be delivered in a plain white envelope.
Thank you,
Pathward Customer Service
Initial Complaint
Date:04/21/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have been locked out of my Spruce Money account since 04/17/2025], receiving a repeating message that my account is locked for 20 minutes due to login attempts. However, it has been over 24 hours with no resolution.

I have received no communication from Spruce about a suspension, system issue, or fraud flag on my account. I have funds in the account that I urgently need access to, and their customer service has not resolved or even acknowledged the issue.

This lack of transparency, communication, and access to funds is unacceptable. I am requesting immediate assistance to restore access to my account and clarity about what has caused this prolonged lockout.

Account Name: ***** ****** Email on Account: *******************
Business Response
Date: 04/22/2025
Hello ***** *******
We're unable to identify the account with the name, address, and details provided. Please verify on the back of the card that the bank name is Pathward or MetaBank. If so, provide the 16-digit card number or routing number and account number used for deposits. For direct assistance and a quicker resolution, call Pathward directly at *************
Thank you,
Pathward Customer Service
Initial Complaint
Date:04/18/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On March 2024 the IRS release Income Tax Returns to a 3rd party account at PATHWARd bank these funds were to be forward to me by PATHWARD after receive by the institutions
Funds never reach me, I have called several times and they have not provided a solution
It’s a year later and PAThWARdD has not given my money neither a resolution provided
Business Response
Date: 04/25/2025
**** ** ********* **** / Sioux Falls, SD 57108
****************

Member FDIC

April 25, 2025

**** *********
***** ** **** **
Opa Locka, FL 33055

Re: BBB Complaint
Case # ********

Dear **** *********,

Pathward received your complaint from the Better Business Bureau (BBB). Thank you for reaching
out to Pathward to clarify the action on your account.

You state in your complaint that you never received your funds from your tax return, and you’ve
been trying to get the funds for over a year.

On 3/5/2024, we received the application to process this refund for the tax year 2023 for tax office
*** *** ******** ** **** ** **** **, Miramar, FL 33025. On 3/30/2024, we received $13,988.26
from the IRS. After fees were removed, $12,607.36 was loaded onto a Faster Money card per the
tax refund application.

According to our records, the balance of the Faster Money card is $0.00. If you did not use the
card, you will need to file a dispute with Faster Money at ************. Pathward Tax contacted
you and left a voicemail at the phone number we have on file advising the process to file a dispute
for the card transactions.

If you did not file the tax return with R&K Tax Servicez or you did not choose to have your funds
deposited to the Faster Money account, we recommend contacting the IRS Identity Protection Unit
at 800-908-4490 and the National Advocate Help line at ************.

Should you have continued concerns or questions, please do not hesitate to reach out to Pathward
Tax at ************.

Sincerely,

Pathward Customer Service

Pathward, N.A.
**** * ********* ****
Sioux Falls, SD 57108
O: ************
** ************
Customer Answer
Date: 05/09/2025
My name is **** * ********* my inquiry Is in reference to my 2023 Tax Return
A complaint was file by myself with the IRS, BBS & Office of the controller of currency for an investigation as to where my refunds are.
As per IRS service investigation refunds were deposit to a PATHWARD account listed as Routing# ********* Account ***************** on March 2024.
After a long wait, PATHWARD has respond that $12607.36 were forwarded to FASTER MONEY. We are now in May of 2025, still waiting to receive my 2023 Tax Refund from FASTER MONEY or PATHWARD.

I **** * ********* hereby demand by all legal rights a full investigation and disclosure with fact! from FASTER MONEY reference to my 2023 IRS Tax Refund in the amount of $12607.36 .

I await for a speedy resolution.
Business Response
Date: 05/09/2025
Updated resolution attached.
Initial Complaint
Date:04/15/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I found out thru irs in 2021 they send me a refund for 5, 142. I never receive it because of the irs told me about it. I have a letter from irs. I m sending it along with the emails. Where I ask where was my card it got stolen . Numerous email. I send picture and the number we had call many of time. I had the phone number on the letter. They not return the call . They sold uncrushable and this been going on for 3 years. I no longer have that card.
Business Response
Date: 04/16/2025
Resolutioon attached.Pathward received your complaint from the Better Business Bureau (BBB). Thank you for reaching out to Pathward to clarify the action on your account.
In your complaint, you advise that you found out the IRS sent your 2020 tax return to a Pathward account ending in ****. You also advised you never received it.
Our records show that your tax return deposited to your Ruschard account ending in **** on 4/9/2021 for $5142.00. The deposit posted successfully to the account. Attached is a statement of transactions from shortly before the deposit posted and all transactions on the account through 2023. All Rushcard accounts closed in 2023 when the program was wound down.
The address on file for your Rushcard account was updated in 2018 and is the same address you included on your BBB complaint. It appears the deposit posted to the account and was subsequently spent. All correspondence and replacement cards were sent to the same address.
Unfortunately, per the terms and conditions, you are well past the timeframe to dispute any transactions on your Rushcard account. In order to dispute transactions, disputes need to be filed in a timely manner. Considering the deposit posted to the account, the address remained the same, and the account continued to be used through July 2023, there is nothing we can do because the funds were received and spent.
Customer Answer
Date: 04/16/2025

Complaint: ********

I am rejecting this response because: i never got my refund that the irs send me, because my card was stolen and you never replace it. you are the same as pathway national assoication *** * **** ** cairo ne 68824

Sincerely,

***** ****
Business Response
Date: 04/17/2025
Hello ***** *******

Thank you for your reply to the resolution we provided. The emails you provided that show you asked Rushcard if your replacement card was on the way were from April 2020. Your deposit was not received until April 2021. Between April 2020 and April 2021, the account ending **** had a card ending **** issued in November 2020 and a card ending in 2651 issued in January 2021. Both cards were sent to the address that you provided with this complaint. As you can see in the statement that was provided with the previous resolution, the account was used consistently through July 2023 when the Rushcard program was shut down. We understand your frustration, but records show your tax return deposited to your account and was spent.

Our records also show that you had 2 other Rushcard accounts ending in **** and ***** These 2 accounts had card replacements done in April 2020 and May 2020. The email referenced in your complaint may have been for either one of these accounts due to the fact that your account ending in **** did not have a card replacement requested until November 2020. Again, by the time you received your tax refund in April 2021, a new card had been issued to your address in January 2021 and was used until it was replaced again in December 2021.

Regardless of when the cards were replaced, your deposit did post to your account on 4/9/2021, and per the terms and conditions of the account, filing a dispute is no longer an option. Disputes need to be filed in a timely manner, and unfortunately, we are well past the timeframe to file. We consider this matter closed.
Lastly, we are not affiliated with a ******* ******** *********** in Cairo, NE.

Thank you,

Pathward Customer Service
Initial Complaint
Date:04/14/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Subject: Dispute: Missing $400 Refund - Flex, MoneyGram, Pathward N.A.

Summary:

On 3/12/25, Flex (***********) processed a $400 withdrawal, intended as a refund to my MoneyGram debit card (issued by Pathward N.A.). Flex provided ARN ***********************. MoneyGram states they cannot trace the transaction using this ARN, requiring an 8-digit tracking number, which Flex did not provide. Flex insists funds were sent to Pathward N.A., the card's issuing bank. Pathward N.A., despite acknowledging they issue the card, has refused to confirm receipt of the $400, or provide a letter on their letterhead confirming the funds were not received. This missing $400 has caused significant financial hardship, bordering on eviction. Multiple attempts to resolve this with Flex, MoneyGram, and Pathward N.A. have been unsuccessful. I seek the BBB’s assistance in recovering my $400 and holding these companies accountable for their uncooperative and conflicting responses.
Business Response
Date: 04/28/2025
Resolution attached.
Customer Answer
Date: 04/29/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me contingent upon receiving the aforementioned check of $400 to my home address.

Sincerely,

***** *******
Initial Complaint
Date:04/07/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On April 7, 2025, I received a Premium Visa debit card in the mail from Pathward. I did not apply for this card and am concerned my personal information has been compromised and used to create this account.
Business Response
Date: 04/08/2025
Hello ******* ******,
We're unable to identify the account with the name, address, and details provided. Please verify on the back of the card that the bank name is Pathward or MetaBank. If so, provide the 16-digit card number or routing number and account number used for deposits. You can also provide a screenshot of the mailer you received. For direct assistance and a quicker resolution, call Pathward directly at 833-350-0506.
Thank you,
Pathward Customer Service
Customer Answer
Date: 04/08/2025

Complaint: ********

I am rejecting this response because:

You are correct, the address does not match. The address on the mailer was forwarded from my previous address, which is

**** **** **
**** ***
Broomfield, CO 80020

The account Number is **************.

Please provide verification that this account is closed and we can resolve this case.

Sincerely,

Rebekah Holmes
Business Response
Date: 05/10/2025
We apologize for not uploading the complaint resolution and leaving the complaint open. The attached was sent to the consumer on 4/28/25.
Initial Complaint
Date:04/01/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am complaining about Spruce Card by *** ***** /Pathward Bank. I filed a fraud claim (unrecognized transaction on my account) back in February. Come to find out over a week later, the agent I was speaking to never filed my claim. The new agent proceeded to do so. She said I would hear from an investigator in the near future. I have reached out multiple times and my claim has been upgraded to urgent and I still haven’t heard anything back from the investigator. All I want is my $100 back that was charged on my account. I thought my money was FDIC insured. I am so angry because of their customer service practices. It’s like pulling teeth to try and get my fraud claim heard by their fraud team. It makes no sense and any other bank would never take this long. This is complete thievery.
Business Response
Date: 04/10/2025
Resolution attached.Pathward received your complaint from the Better Business Bureau (BBB). Thank you for reaching
out to Pathward to clarify the action on your account. The response from ** ***** is attached
herein.
Should you have continued concerns, please do not hesitate to reach out to Pathward or utilize the
contact information on the attachment.
Initial Complaint
Date:03/31/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On March 7th I disputed 2 charges on my debit card. The company canceled my debit card without warning. On March 10th, I discovered it was canceled while trying to make a purchase. I then contacted the company and requested a new card. Since there was money in my account that I did not have access to without a card I requested it to be expedited. The company charged me $29.99 to have the card shipped by UPS and to be at my location no later than March 14th. No tracking number provided. On the 14th my card did not arrive. I checked my account and it shows that my card had been shipped. But when I clicked on the information button next to the card it opened up a separate window that stated my card had not been shipped yet and that I would receive a tracking number on the day it should be arriving. Since the 14th I have contacted the company approximately five times asking where my card is? I was told that it would be here within four days four different times. I have had two direct deposits going to my account that I've not been able to access. I have rent I have a car payment I have utilities I have kids and no matter what I do I can't access my money. It is now the last day of February and I still have not received any debit card from this company. In addition to that my account is $200 plus dollars short. I received a letter in the mail today from card services for this company stating that they had reinstated the two charges that I disputed but no indicator of when I would finally receive my debit card. I am still without a debit card and when I call again I get told four more days. I've tried linking this account to cash app and cash app informs me that the routing number they provide is inaccurate. This company has kept my money from me causing me to accrue late fees with my utilities in addition to late fees with my rent.
Business Response
Date: 04/01/2025
We're unable to identify the account with the name, address, and details provided. Please verify on the back of the card that the bank name is Pathward or MetaBank. If so, provide the 16-digit card number or routing number and account number used for deposits. For direct assistance and a quicker resolution, call Pathward directly at *************
Initial Complaint
Date:03/30/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Pathward is tampering first transactions made with their $50 master card debit Gift Cards when trying to dispute the customer is sent to a voicemail once dispute is filed pathward cancels card extending the funds holding interest time. While they finish fixing the issue they created to gain interest funds. It's horrible business practices. After issue is fixed the customer is to wait for a replacement card in the mail extending the holding funds interest gain.
Business Response
Date: 04/10/2025
Resolution attached.
letter was mailed

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Pathward Venture Capital, LLC is NOT a BBB Accredited Business.