Netspend Stolen Debit Card Number Internet, Internet

On Oct 14, 2011, my Netspend pre-paid debit card was declined.  Knowing I had several hundered dollars on the card, I immediately pulled up my account on line.  Due to a hold on the card from a hotel (legitimate), I had roughly $250.00 available.  Searching my account, I found a charge for close to 220.00 to a company called Blitz Sport.  When I search Blitz Sport, I found they are a company based in the United Kingdom. 

I immediately called Netspend to file a dispute and find out if other charges were attempted.  Sure enough another 400.00 in charges was attempted on my card, all to sporting good companies in the UK.  Netspend sent me a dispute form which I filled out and e-mailed back to them immediately.

Not the trouble begins, I contacted Netspend on Oct 21, 2011, for an update on the dispute only to be told they didn't even open my dispute claim until Oct 18, 2011.  I was then told it could take up to 10 business days to resolve the dispute but Netspend would be sending me updates, and I should call back again around Oct 24, 2011.

Today Oct 25, 2011, I contacted Netspend only to have the employee read off her que cards why I couldn't speak with the dispute department and she has no authority to contact them for an update.  When I questioned by Netspend didn't credit the money back to my card as would a reputable bank, she told me "that's not how we do things".  I questioned if they were insured by the FDIC as their website states, why am I being held accountable for some theif stealing my card number and charging items oversees.  Mind you I live in Nevada USA.

She proceeded to advise me Netspend isn't covered by FDIC, and they haven't received a response from the company associated with the charges.  I explained to her I contacted the company regarding the charges and recieved a phone call within 24hours.  I asked her why there isn't a disclaimer on the website stating "deposit money at your own risk".  I further went onto explain they track my spending in a nice pie chart when I log in and no where on the pie chart does it show on-line purchases.  I inquired about a fraud department that monitors customers accounts for multiple purchase in a manner the card holder doesn't normally purchase.  Again no such department.

While 220.00 isn't a lot of money, for a single parent of 4 trying to get ahead and make ends meet, 220.00 would have gone a long way.  Since I have to now wait until Nov 1, 2011, before Netspend will provide me with any answers ( I assume I will not see a dime of the money) it will be three weeks since my money was used fraudulently.

Does anyone know what laws govern pre-paid debit cards and theft resolution.