Complaints

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

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Pathward Venture Capital, LLC has 14 locations, listed below.

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• Headquarters Location

  

  Pathward Venture Capital, LLC

  5501 S Broadband Ln Sioux Falls, SD 57108-2253

• 

  Refund Advantage

  PO Box 1484 Easton, PA 18044-1484

• 

  MetaBank

  3448 Westown Pkwy West Des Moines, IA 50266-1151

• 

  MetaBank

  3455 Ingersoll Ave Des Moines, IA 50312-3915

• 

  Pathward Venture Capital, LLC

  9000 Wessex Place #101 Louisville, KY 40222

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:09/17/2026

  Type:Service or Repair 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 August 20 and then again on August 23 I stopped to buy gas at my usual gas station. I used a debit card issued by a Rapid Recycling in Bend, Oregon to pay for scrap metal brought into them. There is a "pre-authorization" put on the card while the gas is being pumped. Dash Debit has not released the pre-authorizations yet. I have called to let them know about the transactions, they have acknowledged the transactions and that they were pre-authorizations but have not released them. They told me to go back to the gas station and have them take the hold off the transactions. I did that, even got a letter from the gas station to that affect but the debit card company still has not released the funds. I believe they are not "in good faith" working to resolve, but just dragging this out as long as possible. They said they were mailing me a statement to verify the transactions but it would take 7 to 10 days to receive.
  
  This is the worst customer service from a card company I have ever seen. Their phone number is a lease a 30 to 45 minutes on hold before you get to talk to "Customer Service" or "Dispute Transaction". There should be some type of automatic penalty for these type of business practices. Understand that I didn't agree to paying this money, it was just taken from my Debit card balance.

  Business Response

  Date: 09/18/2026

  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 screenshots of the front and back of the card. For direct assistance and a quicker resolution, call Pathward at REMOVED

  Business Response

  Date: 09/25/2026

  Resolution attached.

  Customer Answer

  Date: 09/30/2026

   
  
  Complaint: REMOVED
  
  
  
  I am rejecting this response because:

  The printout I attached shows the "real time" version of what the DashDebit "call in" line told me was in my account.  It was the only place I had access to any information.  I disputed the $124 charges of 8/20 and 8/23 via at least 3 different phone calls.  These $124 charges were available until about 9/20 and then they went away.

  I had requested a print-outs for August and July and as far back to the beginning.  My first deposit was in late June or early July sol I didn't feel what I was asking for would be a big challenge, except the level of incompetence I had received to date, made me wonder what I would get.  Again, I got not enough to get to my answer.

  I tried to setup an online account but my card number didn't match to my email address.  They told me to write a letter to them and email it requesting the change, which I did but still have been notified that I had an account.

  Main complaints -  1) No Online Access;  2) Information not provided to reconcile the financial account;  3)  No one that could understand what I needed to reconcile the balance;  4) No concern on the timeliness to get a resolution.

   

  
  Sincerely,
  
  
  
  REMOVED

• Initial Complaint

  Date:09/16/2026

  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.

  A violation of the Fair Credit Reporting Act (FCRA) occurs when the rules governing the collection, sharing, and use of consumer credit information are not properly followed. Under the FCRA, consumer reporting agencies (CRAs) are required to take reasonable steps to maintain the accuracy of the information in credit reports. If a consumer suffers financial harm due to an FCRA violation, they have the right to pursue legal action against the CRA to recover actual damages, statutory damages, and attorney’s fees. The accounts mentioned in my letter contain inaccurate information, and I am requesting a detailed investigation to address and correct these discrepancies.

  Business Response

  Date: 09/24/2026

  Resolution attached.

• Initial Complaint

  Date:09/11/2026

  Type:Product 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.

  I have a Visa gift card issued by Pathward, NA. I have tried reaching customer service using the phone number listed on the back of the card as the card is being declined for insufficient funds when I know there are funds available. When I call customer service, it is an automated system that tells me they are busy (wait times may be long) but to hold. I have tried three different times on three different days and waited an hour and no one answers.
  
  The listed website contact won't allow me to sign in and tells me to call that same number.
  
  When I call Pathward, it sends me to the same phone number.
  
  I think they are intentionally making this difficult so that I cannot access the funds remaining on my giftcard.

  Business Response

  Date: 09/14/2026

  We're unable to identify which account this is in reference to 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 screenshots of the front and back of the card. For direct assistance and a quicker resolution, call Pathward at REMOVED

  Customer Answer

  Date: 09/15/2026

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID REMOVED, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  REMOVED

• Initial Complaint

  Date:09/08/2026

  Type:Service or Repair 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.

  My card with Dashpay from pathward has been locked due to fraudulent activity on Friday of last week. I have called 7 different times with no resolve. It is now Tuesday. I can’t access my money that I worked hard for. I keep getting transferred to different departments. I have been hung up on. I have recurring payments that have bounced. I have no money to put gas in my car to get to work.

  Business Response

  Date: 09/21/2026

  Resolution attached.

  Customer Answer

  Date: 09/21/2026

  I appreciate you responding to my complaint in such a timely manner. Unfortunately, the concern has not been resolved. Although transactions have successfully been made since dash “lifted restrictions” on sept 6, I am still unable to use my card for online purchases as well as linking the account to my Cash App. When I call for assistance, I get the same treatment. I’ve even tried to create an account through their app they offer to their customers, but they still haven’t corrected my contact information in order for me to do so. I am to receive a 4 digit verification code in order to complete setting up my account, but I never receive the code because it is still getting sent to the wrong address. I have sent numerous emails with no resolve. In short, I can only purchase anything if I have the physical card. Otherwise, I can’t buy anything online and some point of sales. Please advise. Angel, a car, confirmed the restriction was not completely lifted on my cards I find this to be unfair and that I am being punished for something I did not do. I have been compliant on my end of the solution. I need dash to do the same. Thank you again. 

• Initial Complaint

  Date:09/08/2026

  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.

  A violation of the Fair Credit Reporting Act (FCRA) occurs when the rules governing the collection, sharing, and use of consumer credit information are not properly followed. Under the FCRA, consumer reporting agencies (CRAs) are required to take reasonable steps to maintain the accuracy of the information in credit reports. If a consumer suffers financial harm due to an FCRA violation, they have the right to pursue legal action against the CRA to recover actual damages, statutory damages, and attorney’s fees. The accounts mentioned in my letter contain inaccurate information, and I am requesting a detailed investigation to address and correct these discrepancies.

  Business Response

  Date: 09/14/2026

  Hello REMOVED,

  Oportun's response to your complaint is attached. Please follow the instructions provided in the resolution to continue your identity theft claim.

  Thank you,

  Pathward Customer Service

• Initial Complaint

  Date:09/04/2026

  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.

  This is the second time spruce has denied a dispute without investigating. Someone stole my account info and my card and they denied disputed charges and never closed my card they issued me a new card but kept the closed card open and I had money stolen from my account twice after the card was supposed to be closed and they are refusing to investigate or return my stolen funds and this is the second time they have refused to refund or investigate

  Business Response

  Date: 09/22/2026

  Resolution attached.

• Initial Complaint

  Date:09/04/2026

  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.

  A violation of the Fair Credit Reporting Act (FCRA) occurs when the rules governing the collection, sharing, and use of consumer credit information are not properly followed. Under the FCRA, consumer reporting agencies (CRAs) are required to take reasonable steps to maintain the accuracy of the information in credit reports. If a consumer suffers financial harm due to an FCRA violation, they have the right to pursue legal action against the CRA to recover actual damages, statutory damages, and attorney’s fees. The accounts mentioned in my letter contain inaccurate information, and I am requesting a detailed investigation to address and correct these discrepancies.

  Business Response

  Date: 09/14/2026

  Resolution attached.

• Initial Complaint

  Date:09/02/2026

  Type:Sales and Advertising 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.

  Unauthorized charges for February and March. My entire tax refund

  Business Response

  Date: 09/04/2026

  Hello REMOVED,

  Thank you for
  contacting Pathward via the BBB regarding your
  issue. We appreciate you reaching out to clarify the actions taken on your
  account. Enclosed is the response provided by H&R Block for your review. This is the same response that was provided as part of the OCC complaint you filed in July 2025.
  
  If you have any
  additional concerns, please do not hesitate to contact H&R Block directly at REMOVED.
  
  Sincerely,

  Pathward Customer Service

  Customer Answer

  Date: 09/06/2026

  
  
  Complaint: REMOVED
  
  
  
  I am rejecting this response because:

  
  
  Dear Spruce Dispute Resolution Team,

  I am writing in direct response to your recent clarification letter regarding my claim of unauthorized Cash App transactions.

  Please correct the following material inaccuracies in your records:

  
  

  Phone calls

  
  

  I did not contact Spruce Customer Service on April 12 or April 15, 2025.

  
  

  The first and only call I made regarding this matter was on April 27, 2025.

  
  

  Any call recordings or notes attributed to me on April 12 or April 15 are incorrect and do not involve me.

  Phone number ending in 6495

  
  

  This is a TextNow virtual number that was logged into both of my devices. TextNow numbers are fully capable of receiving and placing voice calls as well as verification codes. Any statement that I “only have a texting plan and cannot make phone calls” was either misunderstood or misrecorded.

  Replacement card ending in 0518 and alleged online activity

  I specifically waited for the physical replacement card to arrive in the mail.

  I never activated the physical card that arrived. I still have that unactivated card in my possession and never got to use it.

  I deliberately did not retrieve, view, or use any virtual card details.

  I did not add any Spruce debit card to a mobile wallet.

  I did not link any Spruce debit card to Cash App or any other online merchant.

  I stressed repeatedly that I have children and that I was intentionally waiting for the physical card before making any transactions. I made this deliberate choice because of a serious security incident the previous year in which unauthorized access to my email account granted access to everything linked to it. After that experience, I decided I would never again add a debit card to any online service or mobile wallet. I only use the physical card for in-person transactions.

  Stolen phone and different locations

  
  

  The phone that was used to perform the unauthorized activity was stolen. The phone I am currently using is a replacement phone. These are two completely different devices in totally different locations. Any login, dual-factor authentication, virtual card retrieval, or mobile-wallet activity that occurred on or around April 15, 2025, was performed on the stolen device, not by me.

  
  

  The activity you describe (virtual card access on April 15 via login + dual-factor authentication, addition to a mobile wallet, and subsequent Cash App transactions from April 15–21) was performed by someone other than me using the stolen phone. I had no knowledge of it and did not authorize it.

  I would not be contacting the Better Business Bureau again if I were lying about these facts.

  I request that you:

  
  

  Immediately correct your call records to reflect that my first contact was April 27, 2025;

  Re-examine the April 15 login, dual-factor authentication, virtual card retrieval, and mobile-wallet provisioning events in light of the stolen phone;

  Provide me with the complete supporting documentation you relied upon, including but not limited to:

  All call recordings and transcripts for April 12, April 15, and April 27, 2025;

  Full IP address logs for every login, authentication attempt, virtual card retrieval, and mobile-wallet provisioning event on or around April 15, 2025 (including date, time, IP address, device type, browser/user-agent, and geographic location if available);

  Dual-factor authentication logs (method used, device or number that received the code, and timestamp);

  Mobile-wallet provisioning records; and

  Any other device, session, or access logs related to the card ending in 0518;

  
  

  Reconsider the denial of my claim in light of these corrections.

  
  

  Please confirm in writing that this information has been added to my claim file and that the requested logs will be provided.

  Thank you for your prompt attention.
  
  Sincerely,
  
  
  
  REMOVED

  Business Response

  Date: 09/09/2026

  Hello REMOVED,

  Thank you for the additional information, but Pathward is unable to assist you further. H&R Block manages their own dispute process. Please follow the instructions on H&R Block's complaint resolution and contact them directly at REMOVED

  Thank you,

  Pathward Customer Service

• Initial Complaint

  Date:08/28/2026

  Type:Product 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.

  In August 2026 I purchased a Mastercard gift card issued by Pathward from Target in Silverdale Washington. I intended to purchase something online but then I changed my mind and used the card at Starbucks in Kingston Washington. It was a $25 dollar gift card. I purchased two drinks, a pistachio chocolate bread, and tipped a dollar. The total was $16.02. Then I went back to purchased a pumpkin spice latte and my card was declined. I checked the balance and it said I only had $4.17 left. I did the math and assumed I was charged approximately $5 as a transaction fee. I went back and tried to purchase a coffee for $3.55 and my card was declined. I assume because of the transaction fee. They do not tell you there is a transaction fee. I purchased a $25 dollar gift card and was only able to spend $16.02. So I figure you owe me $8.98 and an apology. If you are doing this to everybody you are organized crime. This is one reason I do not like rich people or banks. Secret fees that they just take and then there is no human customer service to complain to.

  Business Response

  Date: 09/01/2026

  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 screenshots of the front and back of the card. For direct assistance and a quicker resolution, call Pathward at REMOVED
  
  

• Initial Complaint

  Date:08/27/2026

  Type:Product 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 this card yesterday after I called the number on the back and was told that I could use this card for online purchases immediately. Upon purchasing it I was unable to use the card for three hours, the exact time it took them to withdraw the $9.95 that they charge for their monthly fee in addition to the $2.00 that it cost to purchase the card. Once the hold was lifted I was still not able to make any online purchases and still can't. So the $40 that I had originally placed on the card is now $30.05 and it's still useless to me. I've called numerous times to the REMOVEDnumber to no avail. No one will help me. I just want to return this card and receive my money back. That's it.

  Business Response

  Date: 08/28/2026

  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, screenshots of the front and back of the card, or the routing number and account number used for deposits. For direct assistance and a quicker resolution, call Pathward directly at REMOVED6.