Realcor Developments Ltd.

Tuesday, May 9, 2017 To Whom It May Concern:Thank you for forwarding Mr. [redacted]’ complaint # [redacted] to us. As you requested, we addressed this matter directly with Mr. [redacted] on May 9, 2017 by way of telephone. We also emailed him the details on his closed Card Account. 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

Tuesday, December 19, 2017 To Whom It May Concern: Thank you for forwarding Mr. [redacted]’s complaint [redacted] to us. We are required by the USA PATRIOT Act to obtain, verify, and record information that identifies each person who opens a card account with us. When our cardholders open a card...

account or add a secondary cardholder, we ask for their name, physical street address, date of birth, and other information that will allow us to reasonably identify them. The requirement to obtain this information is displayed on the card packaging prior to purchase. As you requested, we addressed this matter directly with Mr. [redacted] on December 15, 2017 by way of telephone. We informed Mr. [redacted] by email of our actions to resolve his complaint. Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern. Thank you, [redacted]. [redacted]Customer Experience Specialist Netspend, a TSYS Company

Wednesday, March 14, 2018To Whom It May Concern: We appreciate Ms. [redacted] additional comments. We’ve reviewed Ms. [redacted] dispute claim and complaint that reimbursement was not provided. After review, we’ve determined that his claim was handled correctly.  We provided information about Ms. [redacted] dispute claim by email on March 7 and also advised that she is no longer eligible for services managed by Netspend. Thank you for bringing this matter to our attention. Thank you, [redacted]Customer Experience AnalystNetspend, a TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Ms. [redacted] mentions her inconvenience that she experienced with our website, automated system, and customer service. She’s requesting our systems to be fixed. On August 12, 2015, we spoke with Ms. [redacted]...

about her concerns. We apologized for the difficulties that she experienced with our systems and our customer service. Ms. [redacted] informed us that another customer service representative assisted her with accessing her online account, and was able to address her concerns. NetSpend regrets the inconvenience that Ms. [redacted] experienced with our systems, and with customer service. 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] concerning a monthly fee charged to his
NetSpend card.  He wants the fee
reversed.  On
October 10, 2015, Mr. [redacted] ordered a NetSpend PayPal Prepaid MasterCard
through the website,...

www.paypal.com/prepaid.  We mailed him the card free of charge. Mr.
[redacted] activated his card on October 25th, and transferred $4.70 from
his PayPal account.  The next day, in
accordance with the terms of the card, a $4.95 monthly fee was charged to his
new account.  This fee allows unlimited
card signature and PIN purchases.  At Mr.
[redacted]’s request, the fee was refunded, and his account was closed on October
29th.  A check for his
remaining funds will be mailed by November 6th to the address on
file.   NetSpend
regrets the inconvenience that Mr. [redacted] experienced with our PayPal Prepaid
MasterCard product.  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

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.
Regards,
[redacted]

Tuesday, December 1, 2015To Whom It May Concern:We received additional comments on complaint
# [redacted] filed with your
office by [redacted] concerning a refund for
the remaing funds on her closed account.  She’s requesting information about her refund.  Our Risk
Management Department received confirmation from the US Treasury that they
received the funds from Ms. [redacted] account on October 1, 2015.  The Accounting Department has reported that
check has not been cash as of December 1st.  We are currently following up the US Treasury
to determine if they need the check to be resent.  The Veterans Assistance Commission Program
(VACP) will make the final determination regarding who receives the remaining
funds.  We
reached out to Ms. [redacted] by telephone and email on December 1st to update her on the funds that have been returned to the US Treasury.  We did not have an occasion to speak with her,
but we will assist her when she returns our call.  NetSpend regrets the inconvenience that Ms.
[redacted] experienced with the funds that were returned to the US Treasury. 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, November 13, 2015To Whom It
May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning unauthorized charges
that appeared on her account from another state.  She’s requesting an escalated review of her
disputed items.  On November
7, 2015,...

Ms. [redacted] called our customer service to report unauthorized
transactions that occurred in Texas, while her residence is in New York.  She disputed four transactions, and we
informed her that an update would be given within ten business days, November
20th.  She called back on
November 9th to dispute six additional transactions that were
pending during her initial call.  We
created a second disputes claim and advised that an update will be available on
November 23rd.  Our Disputes
Department reviewed both of her claims on November 13th and issued a
full payout.  We spoke
with Ms. [redacted] on November 13th, and informed her of the payout on
both of her claims.  NetSpend regrets the
difficult experience Ms. [redacted] had with the compromised card and we appreciate
her patience during the investigation.   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: I didn't ask them what methods were used to determine a risk factor on the account. I asked for the check number and date that it was mailed. This is the problem with this company; you can't get an answer to your questions. No one knows anything all they can tell you for sure is what they can't do. At this point it really doesn't matter what risk factors where determined, and as I stated to their customer service "supervisor" I could care less about a closed account. I want my Money. This has been going on long enough, and as you can see no answers have been given. I still have unpaid bills and now loans as a result of this, but they have the nerve to say that they understand my frustration. I don't think so, because I'm way past being frustrated now. I have gotten at least two different reasons why the account was closed. The first was fraudulent activity and I still don't know what took place; the second was that my documents were altered. It's like they're making things up as they go. I mean why would I bother if it was not my account and my money. Please provide check number and date that it was mailed. I don't need anymore lies about a closed account or their "determining risk factors".
Regards,
[redacted]

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 December 5, 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

Monday, October 2, 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 October 3, 2017 by way of telephone. We sent Ms. [redacted] an email on October 2, outlining our actions to...

resolve her complaint. Ms. [redacted]’ case has been assigned to Corporate Response Team Analyst, [redacted]. Should Ms. [redacted] contact our Customer Service Department, we have left notes on her account for her to be connected with [redacted] to further assist her 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]. Mr. [redacted] states that he disputed transactions on his card, but the update of his claim is not in alignment with what the website states. He’s requesting a refund for the disputed amount before...

October 1, 2015. NetSpend’s disputes process is in accordance with Federal Reserve’s Regulation E guidelines. Per these guidelines, the disputes claim timeframe for an initial claim review on new accounts (and provisional credit eligibility), can take up to 20 business days. An account is considered new when the first cash or deposit load occurs on an account within 30 days from the account creation date. We sincerely apologize if this information wasn’t provided to Mr. [redacted]. On September 20, 2015, Mr. [redacted] reported his card as stolen and disputed two unauthorized transactions on his account. His disputes claim will receive an update by October 20th. At that time the provisional credit decision will be made. NetSpend regrets any inconvenience that Mr. [redacted] experienced while disputing the merchant charges. 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  poor customer service he received when he recently contacted Netspend for assistance with activating his card.  On March 16th, Mr. [redacted] contacted Netspend regarding his account. Mr. [redacted] had a previous Skylight account in 2014, but additional information was still needed to fully approve his new account and our customer service requested for him to send in identity documents. On March 28th and 30th, I reached out to Mr. [redacted] to address his full concerns. NetSpend regrets the inconvenience that Mr. [redacted] experienced with the customer service he received when trying get assistance with his account. We will be requesting the call recordings to provide the coaching necessary to ensure Mr. [redacted] does not experience this again.  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 a refund of her account funds. Ms. [redacted] contacted us on March 1, 2016 to report that her card had been compromised and that unauthorized transactions posted to her account. We immediately...

blocked the card to prevent any further unauthorized use and ordered a replacement. A dispute claim was opened and we began our investigation.Our investigation concluded on March 15, with no error found and no credit issued. Ms. [redacted]’ accounts were closed due to risk factors that were identified. As a result, Ms. [redacted] is no longer eligible for products managed by NetSpend. On April 25, we spoke with Ms. [redacted] regarding the closure of her accounts and the remaining funds she has not received. We confirmed her address and mailed a check. Ms. [redacted] will receive this within 10 business days. 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

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Ms. [redacted] states that last month she expected two deposits from Social Security for the exact same amount but they did not post to the NetSpend account. She wants her money to be refunded. On March...

26, 2015 Ms. [redacted] received a deposit to her NetSpend card / account in the amount of $711.34. One week later on April 2nd she received an additional deposit for $711.34 to the same account. She presented the trace numbers for the expected deposits and we confirmed that they were received on the above mentioned dates. We also confirmed the last deposit with the US Treasury on April 28th. We offer a website, www.netspend.com, where our cardholders can view transaction history and deposits. We also send free text messages to our cardholders for each transaction on the account. Ms. [redacted] is subscribed for both free services. NetSpend regrets any inconvenience experienced by Ms. [redacted] while she looked for her deposits. 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 loaded money to a NetSpend cardholder’s card but did not receive the services she paid for. She wants to report the fraud to NetSpend. On July 30, 2015, we spoke with Ms....

[redacted] concerning the scam she wanted to report. She will email the information to us so our Fraud Department can identify and investigate the situation. NetSpend appreciates Ms. [redacted] bring this to our attention. 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 a block on her Card Account. On April 14, Ms. [redacted] received a refund from merchant, Expedia.  We spoke with Ms. [redacted] on April 15, and explained that when a refund is received on...

a Card Account that does not correspond with a prior debit transaction on that Card Account, 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 Visa/MasterCard Processing Rules. For security reasons, the Card Account also remains temporarily restricted until we receive the purchase receipt and can validate the refund. A member from our Corporate Office spoke with Ms. [redacted] on April 19, 2017.  Ms. [redacted] provided the documentation and our Risk Management removed the restriction from her Card Account. Our records show that Ms. [redacted] was able to access her funds the same day.   We have provided Ms. [redacted] with our contact information should she have any additional questions concerning this matter.   Thank you,   [redacted] Customer Experience Analyst Netspend, a TSYS Company

Friday, March 16, 2018To 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 have determined that his claim was handled correctly.  We attempted to reach Mr. [redacted] by way of telephone on March 13, 14, and 16, 2018, but unfortunately, we were unable to speak with him.  We sent an email to Mr. [redacted] detailing our actions to resolve his complaint.    Mr. [redacted] case has been assigned to Corporate Response Team Analyst, [redacted].  Should Mr. [redacted] contact our Customer Service Department, we have left notes on his account for him to be connected with [redacted] 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

Thursday, October 12, 2017 To Whom It May Concern: Thank you for forwarding Ms. [redacted]’s complaint [redacted] to us. As you requested, we addressed this matter directly with Ms. [redacted] on October 9, 2017 by way of telephone. We informed Ms. [redacted] by email on October 12, 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

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.
I have received the refund; therefore,  I  am satisfied.  I do not recommend this company. The matter is settled. 
Regards,
[redacted]