Realcor Developments Ltd.

Tuesday, December 19, 2017 To Whom It May Concern: Thank you for forwarding Ms. [redacted]’s 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 Ms. [redacted]’s dispute claim and we’ve determined that her claim is being handled correctly. As you requested, we addressed this matter directly with Ms. [redacted] on December 15, and 19, 2017 by way of telephone. We informed Ms. [redacted] by email of our actions to resolve her complaint. 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: Thank you for forwarding Mr. [redacted] complaint to us. As you requested, we addressed this matter directly with Mr. [redacted] on September 5, 2017 by way of e-mail. If a letter has been sent, it should be received within the next five business days. 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 Analyst Netspend, a TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the fees associated with her Netspend Premiere card.  Ms. [redacted] purchased her Netspend card on April 16, 2015 and elected to enroll in the Pay As You Go Plan. On March 15, Ms. [redacted]...

received a qualifying direct deposit that made her account eligible for NetSpend Premier.  On May 11, Ms. [redacted] requested to enroll in our Fee Advantage plan.Upon receipt of her complaint, we reached out to Ms. [redacted] on May 24 to discuss her fee plan. We reimbursed her account for the fees that were previously charged.We have provided Ms. [redacted] with our contact information should she have any additional questions or concerns.  Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

Friday, January 27, 2017To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning his Card Account closure and dispute claim.  On January 9, 2017, Mr. [redacted] contacted our Customer Service Department to dispute unauthorized transactions that...

posted to his Card Account.  We immediately blocked his Card Account to prevent any further unauthorized usage and ordered him a replacement.  We opened dispute claim number [redacted] and began our investigation.  We also informed Mr. [redacted] of the timeframe afforded under Regulation E.  We concluded our investigation on Mr. [redacted] dispute claim [redacted] on January 24, and no credit was issued because we did not find that an error occurred.  We have reason to believe that the transactions were authorized and that Mr. [redacted] benefited from the transactions. The dispute investigation documents outlining the reason for the claim decision will be mailed to Mr. [redacted] address on file.  During the investigation of Mr. [redacted] claim, we identified several risk factors associated with his Card Account. Due to these concerns, we have closed his Card Account and we are no longer able to offer him products managed by Netspend.We apologize for the service that Mr. [redacted] experienced with our Customer Service Department.  We have reported this incident to the management staff of the customer service agents he spoke with.Mr. [redacted] has been provided 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 a block on her card account.   On June 13, 2016, Ms. [redacted] received a merchant refund from DirecTV.  A systemic block was placed on the account because the refund did not...

correspond with any debits posted by the same merchant. When a refund is received on a card account that does not correspond with a prior debit transaction, or a refund is received that exceeds the amount of the original purchase transaction, it is our policy to request the original purchase receipt to authenticate the refund in accordance with our responsibilities under the MasterCard Processing Rules.   Our Customer Service Department spoke with Ms. [redacted] on June 28, and requested the original purchase receipt.  On July 7, we received documentation from Ms. Barnes, but it was insufficient to remove the block.   A member of our Corporate Response Team spoke with Ms. [redacted] on January 18, 2017, to explain why the documentation was insufficient and assist with the block removal.  Our Risk Management Team reviewed her card account and the block was removed later that same day.   The most common fees for using the card and for maintaining the account, including account maintenance fees, are fully disclosed in the cardholder agreement and are visible to consumers prior to activation.  As a courtesy, we have reimbursed the account maintenance fees she was charged.    We have provided Ms. [redacted] with our contact information should she have any additional questions or concerns.   Thank you,   [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Monday, August 29, 2016   To Whom It May Concern:   We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claim.    On August 1, 2016, Ms. [redacted] contacted us to dispute a merchant transaction that posted to her account.  We...

promptly opened a dispute claim and began our investigation.  We also informed Ms. [redacted] of the investigation timeframes afforded under Regulation E.    We completed our initial investigation on August 15 and determined the dispute claim was not eligible for a provisional credit, but we are continuing our efforts to investigate the claim.  The claim is scheduled to be finalized by September 30. The results of the investigation will be sent to Ms. [redacted] in writing within 3 business days of completing our investigation.      In response to her communication, a member of our Corporate Response Team spoke with Ms. [redacted] on August 29, and explained the dispute process.  We requested additional documentation such as a cancel or void receipt from the merchant.  She informed us that the merchant has a no return policy for the ITunes card she purchased.  Ms. [redacted] also stated that the ITunes card number was provided to a person claiming to be a representative from a government agency.  We recommended that Ms. [redacted] file a police report, since the item she purchased was used by someone conducting a scam. We are continuing our investigation with the merchant through the chargeback process and the timeframes afforded by VISA.      NetSpend understands that the disputes process can be time consuming, and we appreciate Ms. [redacted] patience as we attempt to retrieve her funds.   We have provided Ms. [redacted] with 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:We received complaint # [redacted] filed with your office by [redacted] concerning a refund check she has not received. Ms. [redacted] contacted Netspend in March 2016 to open multiple dispute claims for unauthorized transactions. On March 17th, our Disputes Team concluded...

their investigation of the first claim, crediting Ms. [redacted] account. On March 18th, our Risk Management Team also put in a request to mail Ms. [redacted] a check for the remaining balance which she should receive within 10 business days. A second check for the other dispute claim was also mailed to Ms. [redacted] on March 22nd. On March 28th, our Disputes Team concluded their investigation of her final claim crediting her account and requested to mail her a check for the final remaining available balance which she should receive within 10 business days. On March 18th, I spoke with Ms. [redacted] to address her concerns. Ms. [redacted] was not satisfied with the explanation and requested to speak with my Supervisor. On March 23rd, my Supervisor and Manager spoke with Ms. [redacted] to address her full concerns. On April 4th, Ms. [redacted] confirmed to me that she received the check mailed to her on March 22nd. NetSpend regrets any inconvenience that Ms. [redacted] experienced while waiting to receive her checks. She has been given 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 the inconvenience he
experienced with activating his Brinks Prepaid NetSpend card.  He’s requesting his documents to be reviewed
and his card activated in order for his direct deposit...

to post to the
account.  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. Mr.
[redacted] attempted to activate his NetSpend card on November 14, 2015.
Additional information was needed to fully activate his account, and our
customer service requested for Mr. [redacted] to send in identity documents. On
the same day, he requested for NetSpend to close his account through the online
account center and send him a refund for any remaining balance.  The account was approved on November 15th after he answered identity questions correctly and his address was
updated. Because he requested to have funds sent to him earlier, that request
was honored and the account closed on November 16th.  We spoke
with Mr. [redacted] on November 18th and addressed his concerns.  The account was reopened at his request and
we assisted with his online access.  A direct
deposit has not been sent to his account for posting, but the account is now approved
to receive funds.NetSpend
regrets the inconvenience that Mr. [redacted] experienced while attempting to
fully activate his card.  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]. Ms. [redacted] mentions not being able to active her two NetSpend Prepaid Debit Cards that she funded $500 on. She’s requesting access to her funds on the cards that she purchased. 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, we will ask for their name, street address, date of birth, and other information that will allow us to reasonably identify them. NetSpend is compliant with the laws concerning the prepaid debit card. This information is displayed on the outside of our card packaging. We also inform the consumers that our product is not a gift card on the front of the package. On September 16, 2015, we reached out to Ms. [redacted] by telephone and email to address her concerns. After reviewing her account, we’ve confirmed that Ms. [redacted] provided all required information to validate her account, and her first card was activated for use on July 2nd. She activated the second card on September 1st. Both cards has been utilized after the activation. NetSpend regrets the inconvenience that Ms. [redacted] experienced while attempting to activate her cards. We have provided 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 Kerri [redacted] concerning a replacement card she did not receive before her deposit arrived.  She’s requesting a card in order to access her funds.   On January 8, 2016, Ms. [redacted] ordered a new...

NetSpend card while processing her tax refund through Turbo Tax.  She contacted us to advise that the address needed to be updated on January 26th.  The address was updated and a new card was ordered in error on her Turbo Tax NetSpend account from the previous year.  She received that card and activated it on February 1st.  When her tax refund arrived the following day, she did not have an active card on the new account to access her funds.  On February 3rd, we transferred a portion of her tax refund to the account on which she had an active card in accordance with the daily transfer limits.  The same day, a card was also ordered on the newer account that she will receive in 7 – 10 business days.  We spoke with Ms. [redacted] on February 4th to address her concerns.  We explained the two different accounts and refunded her transfer fee.  NetSpend regrets any inconvenience that Ms. [redacted] experienced with receiving her card to the updated address. She has been given 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:We received complaint # [redacted] filed with your office by [redacted]. Mr. [redacted] states that his daughter received an unsolicited Brink’s Prepaid MasterCard. He’s request for NetSpend to pay for a credit report on his daughter’s behalf, and wants assurance that no additional...

cards will be sent 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. The primary cardholder must be at least 18 years of age. On August 14, 2015, we reached out to Mr. [redacted] by telephone and email. We requested additional information so that we could locate the card offer sent to his daughter. Once we receive the information from him, we will be able cancel that card offer and update our systems to prevent future card offers to his daughter. Additionally, we will submit a request to our Marketing Department in order to obtain information on how his daughter’s name and address was obtained. We regret any inconvenience Mr. [redacted] and his daughter experienced as a result of this card offer. He has been given 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: Thank you for forwarding Ms. [redacted]’s complaint to us. As you requested, we addressed this matter directly with Ms. [redacted] on November 20, 2017 by way of telephone, e-mail, or letter. If a letter has been sent, it should be received within the next five business days. ...

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 Analyst Netspend, a TSYS Company

Thank you for forwarding Ms. [redacted]’s complaint to us. As you requested, we addressed this matter directly with Ms. [redacted] on September 29, 2017 by way of telephone, e-mail, or letter. If a letter has been sent, it should be received within the next five business days. 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 Analyst Netspend, a TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] Mr. [redacted] mentions never receiving the replacement for the lost Skylight Financial card. He’s requesting a card shipped to him immediately. On October 6, 2015, we spoke with Mr. [redacted] concerning his...

card replacement. We updated the address on his account and ordered him a new card. The other cards were sent to the old address. We apologized for the delay and informed him that he will receive a card to use by next week. NetSpend regrets the inconvenience that Mr. [redacted] experienced as a result of the delayed replacement of his lost card. He has been provided my contact information should he have any further questions or concerns. Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: [redacted]
I am rejecting this response because: This is credit card fraud.  I did not order these items.  The items in question are 6 very cheaply made Santa Clause t shirts.  The Santa Clause is holding an axe with blood on him, sitting on a box of dynamite, smoking a cigarette.  It's absurd.  What kind of crazy person would order this type of shirt, let alone pay $359.00 for 6 of these things.  Not me.  I have no idea how they got my credit card number or my address.  I filed a police report with the Hendersonville Tennessee Police department.  Report#[redacted] handled by a detective [redacted].  He did some research and contacted a business by the name of teeblaster.com which is based in Georgia, and has a very similar name to the company that  sent me these shirts which is, teeblaster.online based in California.  He spoke to the owner of teeblaster.com from Georgia.  The owner advised that he had received 30 complaints from other people advising that their credit card numbers had been used fraudulently to purchase t-shirts, and the t-shirts were sent to them.  The owner contacted the FTC and issued a cease and desist letter to the owner of teeblaster.online because his business is being negatively impacted by this fraud.  The owner of teeblaster.online has since shutdown that business under the name of teeblaster.online.  Apparently the way these businesses operate is that someone sets up an account, they then design their own t-shirts with no up front cost to the individual.  Once the t-shirts are sold, teeblaster gets their money, and the person that setup the account gets their money.  These scam artists that setup these accounts are using people's credit card numbers fraudulently to perpetrate the sale of t-shirts and receive the profits.  Netspend has done absolutely zero investigation.  If they had, they would be able to determine based on the location of the ip address from where the transaction took place, that it did not come from me.  Let alone the fact that I am in possession of the debit card.  No one has had access to it but me.  They would have also found the same information that I have found.  They also made no effort to contact the detective at the Hendersonville Police Department. Per the Federal Trade Commission, the Electronic Fund Transfer Act and Fair Credit Billing Act, for fraudulent Debit card charges: If the fraudulent charges are reported within 2 business days the maximum I am liable for is $50.00.  I reported the fraudulent charges within 24 hours.  But they go on to say if someone makes unauthorized charges and  the card is NOT lost or stolen, you are not liable for those transactions if you report them within 60 days.  I did not lose my card, I am in possession of it, and I did not authorize these charges, and per the FTC I am not responsible for the charges.Regards,
[redacted] p.p1 {margin: 0.0px 0.0px 0.0px 0.0px; font: 12.0px Helvetica; -webkit-text-stroke: #000000} span.s1 {font-kerning: none}

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Ms. [redacted] states that she disputed a transaction with Comcast. Comcast told her they released the money. She wants the money returned to her. On May 7, 2015 we spoke with Ms. [redacted] and explained the...

disputes process. When the transaction is disputed, the funds are taken from the merchant until the disputes claim is finalized on June 8th. During the disputes timeframe the merchant can present documents to validate the reason for the transaction. If no validation is made by the merchant for the funds in question, the money is returned to the cardholder the next business day after the final claim date. NetSpend understands the disputes process can be a lengthy one. We appreciate Ms. [redacted]’ patience while we retrieved her funds from the merchant. 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

Complaint: [redacted]
I am rejecting this response because: they did try to contact me but couldn't hear what they were talking about I called back the number and left messages asking for a refund they never responding back
Regards,
[redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Mr. [redacted] states that he did not get the full amount that his daughter put on the card she gave him as a gift on Christmas. He wants the full amount that was put on the card. On June 24, 2015, we...

attempted to contact Mr. [redacted] by telephone and email. Our packaging informs the customer of the fees associated with the NetSpend card. The account maintenance fees, charged due to inactivity, have been refunded. We are mailing a check to Mr. [redacted] on June 26th. NetSpend regrets the inconvenience Mr. [redacted] experienced with the card he received as a gift. We have provided him our contact information should he 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] concerning her direct deposit.On May 30, 2016, we received a direct deposit to Ms. [redacted] account under the name [redacted]. Because Ms. [redacted] was not listed as a secondary cardholder, a block...

was placed on Ms. [redacted] account until we can verify her information. Ms. [redacted] contacted our Customer Service Department and we provided the documents she will need to send in to remove the block from her account and accept the direct deposit. The documents Ms. [redacted] provided were not acceptable to update the name on her and the direct deposit for Ms. [redacted] was returned back to the originator on June 1.Upon receiving her complaint, we spoke with Ms. [redacted] on June 1, and explained why we were unable to update her name and accept her deposit. We provided Ms. [redacted] with the outgoing trace number for the returned direct deposit. We apologize for the poor service that Ms. [redacted] experienced with our Customer Service Department. We have reported this incident to the management staff of the customer service agents she spoke with.We have provided Ms. [redacted] with 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 she has been lying to me the entire time. Telling me she is unable to FedEx checks and it will take 20 more days at the exact same time she is expediting the check and fedexing it. What's wrong with this company?
Regards,
[redacted]