Realcor Developments Ltd.

Friday, May 12, 2017 To Whom It May Concern:Thank you for forwarding Ms. [redacted]’ complaint # [redacted] to us. As you requested, we addressed this matter directly with Ms. [redacted] on May 10, 2017 by way of telephone. We also emailed Ms. [redacted] the details of our actions on her account....

Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concerns. Thank you, [redacted]Customer Experience Specialist Netspend a TSYS Company

Tuesday, February 20, 2018 To Whom It May Concern: Thank you for forwarding Mr. [redacted] complaint # [redacted] to us. When investigating dispute claims reported by our cardholders we adhere to the processes as defined in both Regulation E and in NetSpend cardholder agreements that...

customers receive when opening an account. We’ve reviewed Mr. [redacted] dispute claim and we’ve determined that his claim is being handled appropriately.. We attempted to reach Mr. [redacted] by telephone on February 20, 2018, but unfortunately, we were unable to speak with him. An email was sent to Mr. [redacted] outlining our actions to resolve his complaint. Mr. [redacted] case has been assigned to Corporate Response Team Analyst, Billy. Should Mr. [redacted] contact our Customer Service Department, we have left notes on his account for him to be connected with Billy to further assist him with this matter. Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern. Thank you, [redacted]Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the dispute claims he opened against unauthorized transactions made on his account. He’s requesting to be refunded for the disputed amounts. On September 5, 2015, Mr. [redacted] reported...

unauthorized charges done with the secondary cardholder’s card. We informed him that an update would be provided within ten business days from the claim initiation date, September 21st. On the tenth business day, our Disputes Department closed the claim with no error found on the transactions disputed and a refund credit was not issued. We’ve requested the documentation used to arrive at the claim decision to be mailed to his address. We spoke with Mr. [redacted] on October 13th concerning three additional disputes claims. He will receive updates on those ongoing claims on the tenth business day from their individual initiation dates. NetSpend regrets any inconvenience that Mr. [redacted] experienced as a result of the disputes claim decision. We have provided him with our contact information should he have any additional questions or concerns. Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:   We received complaint # [redacted] filed with your office by [redacted] concerning the funds from her account.    On August 14, 2016 Ms. [redacted] requested to close her account.    On August 16, 2016, a check for the remaining balance on Ms....

Yarbrough’s account was mailed to the address we had on file.    The United States Postal Service returned the check to us as undeliverable on September 08, 2016, and we placed the funds back into her card account.   In response to her communication, we spoke with Ms. [redacted] on September 9, 2016 and at her request, her account was reopened.  We mailed her a new card, to her verified address, and the card is expected to arrive within 1 to 3 business days.    Ms. [redacted] has been provided our contact information should she have any additional questions or concerns.    Thank you,   [redacted] Corporate Customer Response Team NetSpend A TSYS Company

To Whom It May Concern:   Thank you for forwarding Ms. [redacted] complaint to us. When investigating dispute claims reported by our cardholders we adhere to the processes as defined in both Regulation E and in NetSpend cardholder agreements that customers receive when opening an account. We’ve...

reviewed Ms. [redacted] dispute claim and complaint that partial credit was provided. After review, we’ve determined that her claim was handled correctly. We attempted to reach Ms. [redacted] by phone and email on May 23, 2017, but unfortunately, were unable to speak directly with her. We provided her with further insight on the dispute resolution process via email. Thank you for bringing this matter to our attention.   Thank you, [redacted] Customer Experience Analyst Netspend, a TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Ms. [redacted] states that her debit card could not be activated until she sends NetSpend identifying documents in the mail. She wants her card activated without having to send documentation. On...

September 16, 2015, we contacted Ms. [redacted] concerning the card activation. She informed us that the card had been activated on September 12th and she had no further concerns. Our investigation shows the first letter of her last name was entered incorrectly. Once her information was corrected, our system automatically approved her account through our Customer Identification Program. NetSpend regrets the inconvenience that Ms. [redacted] experienced while activating her card. We have provided her with our contact information should she have any additional questions or concerns. Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Ms. [redacted] mentions that she received a NetSpend prepaid debit card that she did not apply for. She’s requesting for NetSpend to stop sending these card offers to her. NetSpend works with third...

party marketing partners that provide us with information for consumers who may need a service like our prepaid debit card. We mail those consumers card offers. The card offer is not active and the card cannot be used unless activated. Our activation verifies the identity of each potential cardholder as a part of our Customer Information Program. This ensures that the card can only be used by the intended recipient. During the offer activation, we collect social security number and date of birth to verify identity only. There is no credit check involved because our Prepaid Debit Card is not a credit card. On September 15, 2015, we closed the offer and blocked the card that was mailed to Ms. [redacted]’s address. We have updated her information in our system to prevent any future card offers from being sent to her. We regret any inconvenience that Ms. [redacted] has experienced as a result of this card offer. We have provided her our contact information should she have any additional questions or concerns. Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: [redacted]
I am rejecting this response because:Because this is not acceptable no one sent me anything by email I found out by calling the company and this is bunch bull because the just send me message March 7 and everything was open and not mebment to me
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:They have done nothing to help, as you can see all they do is repeat their terms and conditions, reaching out to someone to keep repeating your terms and conditions is not helping. This was a fraudulent charge THAT I DID NOT SEE UNTIL THE DAY I REPORTED IT, I do not understand why this is so hard to understand. I want my money back
Regards,
[redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning his disputes claim.On May 27, 2016, Mr. [redacted] called to report unauthorized transactions that occurred on his account. We immediately opened a dispute claim and began our investigation....

 We also blocked his card to prevent further unauthorized activity and ordered a replacement. We informed Mr. [redacted] of the investigation timeframes afforded under Regulation E.   On June 13, we concluded our investigation of his dispute claim and provided Mr. [redacted] with full reimbursement for the disputed transactions. Upon receipt of his complaint, we reached out to Mr. [redacted] to discuss his dispute claim. We advised Mr. [redacted] that credit was issued to his account on June 13. Mr. [redacted] also confirmed he has not received his replacement card.  We ordered another card to be expedited to his address on file. We understand how frustrating it can be to experience unauthorized charges on your account. NetSpend is very committed to providing a safe and secure product.We have provided Mr. [redacted] with our contact information should he have any additional questions or concerns.  Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Hello,After entering in the complaint I sent them a note with the complaint number and immediately revived a call back to resolve...

the issue. The case can be closed. 
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:This person is misrepresenting many facts. He avers that all procedures were followed in making determination. He is lying. I have audio recording and email message from NetSpend whereby they admit that they submit disputes from their customers to Visa or Mastercard and that they await determination by Visa or Mastercard neither of which is listed in procedures for disputes as you can see in attachment I provided. Furthermore, they have blatantly lied to me regarding the process as this person responding contacted me and proceeded to try and lie to me by stating that different people handled review of claims and that someone from netspend quickly determined that no error occurred on second claim that involved several transactions and more than $2,000.00 dollars with another netspend employee reviewed the first claim involving one single transaction of $29.95. Now how is it that the claim of 29.95 took almost 2 months but the more substantial claim could be resolved quick. Could it be because they did not want to provide provisional credit since I caught them lying about the first claim that included written dispute. Also, how could netspend employee make reviews when they have admitted that visa or mastercard make reviews and they base everything upon their approval? Regardless, federal law and netspends own policies show that the most I could lose on claim is $500 if I am shown to be negligent, which has not been shown. Netspend sent me determining factors that were so senseless that shows their true motives. I just have to review the substantial amount of complaints against this company to see how competent they run their business. I have been contacted by groups and attorneys that are reviewing many things in order to proceed against this company for their obvious improper business activities against their customers. How can netspend validate one claim and deny the other? If one claim deserved approval then so did the other since they were directly related and involved the same transactional period. This company is a farce and provided a clear evidentiary trail in handling this claim that I can be sure of. I will easily succeed in litigating against them not to mention the trouble they will bring themselves with a case like mine against them. Government agencies will be following up and their end result will not be justified against simply paying me as they should have done. 
Regards,
[redacted]

Thursday, May 11, 2017 To Whom It May Concern:Thank you for forwarding Ms. [redacted] complaint # [redacted] to us. As you requested, we addressed this matter directly with Ms. [redacted] on May 10, 2017 by way of telephone. We also emailed her the details on her closed Card Accounts. Thank you for...

bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern. Thank you, [redacted]Customer Experience Specialist Netspend a TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the difficulty he experienced with accessing his online account history. On August 10, 2016, Mr. [redacted] contacted us through his online account center to report an issue accessing his...

account history.  Our website was recently redesigned to create a better cardholder experience and to notify cardholders of any notifications regarding their accounts. A member of our Corporate Response Team reached out to Mr. [redacted] on August 17, 2016 regarding his online account history.  We emailed him a copy of his account statements and reported the issue he is experiencing with his online account history.  We are currently working on a resolution and will keep Mr. [redacted] updated of any new changes.  We appreciate Mr. [redacted] patience and apologize for any inconvenience this has caused. We have provided Mr. [redacted] with our contact information should he have any additional questions or concerns.  Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Ms. [redacted] states that her card was blocked for verifications purpsoses. She wants her card unblocked. New and existing accounts are reviewed regularly by our Risk Management Department in efforts to...

prevent potential account compromising activity, and to ensure that all account activity is compliant with regulations. Ms. [redacted]’ account triggered a block caused by our Risk Management Department on April 25, 2015. The details that triggered the block are kept internal for security reasons. In order to remove the block, our Risk Management Department requested documents to validate her identity. When we receive acceptable documents we will review and lift the block. NetSpend regrets any inconvenience Ms. [redacted] experienced while trying to use her card. She has been given our contact information should she have any additional question or concerns. Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Ms. [redacted] states that she was not able to activate the card due to a past account where she was a secondary cardholder. She wants the money refunded from the new card. On June 25, 2015, Ms. [redacted]...

attempted to activate the new card. The information entered automatically blocked the account due to a past account where she was listed as a secondary cardholder. This account was left with a negative balance for more than 180 days. Our Recoveries Department reviewed her new account and removed the block. We contacted her on July 6th to inform her that the card still needs to be activated. Ms. [redacted] called later in the day and activated the card for use as conditionally approved. To get the card fully activated, she will need to submit identity documents for manual approval. NetSpend regrets the inconvenience that Ms. [redacted] experienced while trying to activate her card. We have provided her our contact information should she have any additional questions or concerns. Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

To Whom
It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her blocked account, and is
request for the block to be removed so that she can access her funds.    In
an effort to protect NetSpend cardholders, our Risk Management...

Department regularly
monitors their accounts in efforts to prevent compromising activity, or
unacceptable account usage. Our Risk Management Team identified risk factors
that led to the blocking of Ms. [redacted]’s accounts on October 21, 2015.  The next day our Risk Department called and
left Ms. [redacted] a message concerning the details of her account block.  Documents were requested to validate Ms.
[redacted]’s identity. After verifying her identity, the account block was
removed. NetSpend
regrets the inconvenience that Ms. [redacted] experienced as a result of her
account block.  We have provided her with
our contact information should she have any additional questions or
concerns.  Thank
you,
[redacted]Corporate
Customer Response TeamNetSpend A TSYS Company

To Whom
It May Concern:We received additional comments on complaint
# [redacted] filed with your office by [redacted] concerning a NetSpend card that she was
unable to activate without providing identity information.  She’s requesting a full refund.  To
help the Federal Government fight against funding terrorism and money
laundering activities, federal law requires all financial institutions to
obtain, verify, and record information that identifies each person who opens a
prepaid debit card account. When our cardholders open a card account or
add a secondary cardholder, we will ask for their name, physical street
address, date of birth, and other information that will allow us to reasonably
identify them. This information can be found on the outside of our card
packaging.  On
November 20, 2015, we spoke with Ms. [redacted] concerning her card.  We explained the limited-use option that
would give her access to the funds.  The
limited-use option allows our cardholders to spend the funds on the card by
making in-store PIN and signature transactions. Once the funds are dispensed,
the card can be discarded. She accepted the offer and we activated her card.  NetSpend
regrets the inconvenience that Ms. [redacted] experienced with our product.  We have provided her with our contact
information should she have any additional questions or concerns.  Thank
you,[redacted]Corporate
Customer Response TeamNetSpend A TSYS Company

Friday, June 2, 2017To Whom It May Concern:Thank you for forwarding Ms. [redacted] complaint # [redacted] to us. Netspend re-reviewed Ms. [redacted]’s Card Account and the block was removed on June 2, 2017.We attempted to reach Ms. [redacted] on June 2, by telephone, but...

unfortunately, we were unable to speak with her. The email we sent on June 2, outlined our actions to resolve Ms. [redacted]’s complaint. Her case has been assigned to a Corporate Customer Response Team Analyst, [redacted]. Should he contact our Customer Service Department we have left notes on his account for him to be connected with [redacted] to further assist him with his matter.  Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern. Thank you,[redacted]Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern:   We received complaint # 11624714 filed with your office by [redacted] concerning her dispute claim.    On August 2, 2016, Ms. [redacted] contacted us to report an unauthorized transactions that occurred on her account.  We immediately blocked his card...

to prevent additional unauthorized charges and ordered a replacement. We also informed Ms. [redacted] that the transactions were in a pending status and we would need to wait for the amounts to settle and post to her account then a claim would be initiated.  Ms. [redacted] contacted us on August 5 and we promptly opened a dispute claim and began our investigation. We also informed Ms. [redacted] of the investigation timeframes afforded under Regulation E.     In response to her communication, a member of our Corporate Response Team reached out to Ms. [redacted] on August 10, and explained the dispute process and her claim is scheduled for an update on August 11. We completed our investigation and finalized her claim on August 11.  We provided full reimbursement to Ms. Elliott’s account for the disputed transactions and the associated transaction fees.   We understand how frustrating it can be to experience unauthorized charges on your account. NetSpend is very committed to providing a safe and secure product.    Ms. [redacted] has been provided with our contact information should she have any additional questions or concerns.    Thank you,   [redacted] Corporate Customer Response Team NetSpend A TSYS Company