NetSpend Corp. Austin Texas

You asked a very basic question...

"Aren't they responsible for giving us our money that was stolen and worry about getting the person that took it."

The simple answer is yes, they do have some responsibility in making sure that the withdraws are legitimate and allowed by the account holder...and that is your issue.  They don't know you from the girl next door, for all they know you could be running some huge scam on them.  Where because it is a "Pre-Paid" card they are going to fully investigate it before they allow your dis-allow your dispute.

Now, another factor not in your favor is that a majority of people who have these cards are people who can not get a "regular" bank account at a mainstream bank.  Either from past credit issues or other legal issues keeping them from doing this.  These factors make you less trustworthy.  This again works against you as you are lumped(right or wrong) with the rest of these people.  The kicker for you is that had your husband been with a "regular" bank, because it is a little more trust with them it is very possible that they would have issued him a temporary credit while they investigate, or at least done a quicker investigation where you would have found out the results in just a few days.

There is also one other interesting statement you made.  You stated that this was done by someone you don't know.  So how did you come to this conclusion?  Exactly...and that goes back to the reasoning they are going to wait to mail a check out, they want to make sure that it wasn't done by someone you knew.

If you haven't done so already, your husband needs to stop all future Direct Deposits to this account.  In fact this would be a perfect time to look around for a real bank where you can actually go into an office and see someone face to face to help you with your issues.

Good luck, but short of you continuing to call them to try and get them to expedite their investigation there isn't going to be a lot you can do.