Realcor Developments Ltd.

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.
im sorry it was resolved. I spoke with Netspend and it was clarified.  Thank u
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:Netspend is to take care of their customers and not let foreigners justake my money. I have closed all my accounts and will not do business with them any longer. They are not for the customers. They so worried about loosing 110.00 it was MY money not theirs.
Regards,
[redacted]

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning a block on his account that was caused by a merchant refund. Our Fraud Prevention Team regularly monitors account activity in order to provide a safe and secure product for all of our...

cardholders. On March 16, 2016, a systemic block was placed on Mr. [redacted]’s account after he received a refund from a merchant, WW Grainger in the amount of $552.62. In the event that a refund takes place on a NetSpend account with no corresponding debit, it’s our policy to request a copy of the original purchase receipt in order to authenticate the refund. This policy is in accordance with our responsibilities under the MasterCard processing rules. On March 29th, we spoke with Mr. [redacted] and addressed his concerns.  We contacted Grainger and they emailed us a copy of the original invoice receipt.  The document was reviewed and our Fraud Prevention Team removed the account block later that evening.  .  NetSpend regrets the inconvenience that Mr. [redacted] experienced as a result of the block on his account. He has my contact information should he have any further questions or concerns. Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Complaint: [redacted]
I am rejecting this response because: I have again ran into the same issue with my account. I have emailed the specialist above and called the office number that was provided to me. I have not gotten a response and no one will answer the phone so I stand again with funds that I cannot access and am still awaiting the replacement card.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because: it took over the 6 business hours stated that it would take to resolve the block. I submitted my receipt at approximately 1:00 PM and the block was not lifted till approximately 12:30 AM that night. Also, your supervisors hung up on me twice and kept putting me back into the regular waiting queue when I kept calling back to get this issue resolved. They also did it to me when I had an actual PayPal supervisor on the line who was helping me try and get in contact with a supervisor at PayPal Prepaid (Netspend).  Additionally, I find it extremely unacceptable that a hold is placed on the entire account and not just on the portion that was refunded. The whole entire account should not be placed on hold and keep loyal customers from being able to access their much needed funds.
Regards,
[redacted]

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.
My complaint was fixed its allset thank you for your help.
Regards,
[redacted]

Revdex.com:
I was contacted by netspend and they have placed a partial temporary credit toward my account.  I will eventually have to pay this money back which is not acceptable. Netspend must do a thorough investigation into the merchant that scam my account
Regards,
[redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Mr. [redacted] states that his account was blocked because he received a refund from a company that is going out of business. He wants the money that was credited to his account. On September 10,...

2015, we spoke with Mr. [redacted] concerning the refund credits received on his account. Our Risk Management Department regularly monitors our customer’s accounts in efforts to prevent compromising activity, or unacceptable account usage. Risk factors were identified that led to the blocking of Mr. [redacted]’s account on August 26th. We informed him that the original purchase receipts are required to validate the credits, or he can have the merchant reverse the credits and pay him by another means. He informed us that he could not provide the receipts because the company is going out of business. Our Risk Management Team contacted the merchant in efforts to assist with the reversal. The credits are currently being reviewed by the merchant. We will provide Mr. [redacted] with an update once we’ve received an update from the merchant. NetSpend regrets the inconvenience that Mr. [redacted] experienced with accessing the refunds to his account. Should he have any additional questions or concerns, he can contact us toll free at ###-###-####. Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

To whom it may concern: Thank you for forwarding Ms. [redacted] complaint 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 in the envelope that we send with the card offer.    As you requested, we addressed this matter directly with Ms. [redacted] on June 9, 2017, 2016 by way of telephone regarding her son’s Card Account. Mr. [redacted] 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 Analyst Netspend, a TSYS Company

Complaint: [redacted]
I am rejecting this response because: After speaking to [redacted] from the corporate office which he was very respectful unlike the staff I was told the exact same thing that I was told before submitting the complaint. Moving forward I will not have business with the company.
Regards and Thank you
[redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the closure of her account. On September 30, 2016, Ms. [redacted] opened her Netspend account with $450.00 loaded onto the card. On the same day, Ms. [redacted] successfully transferred the funds to...

her daughter’s Netspend account.On October 16, our Risk Management Team closed Ms. Adams’ account because they identified risk factors associated with her activity/information. These risk factors are not shared publicly for security reasons and Ms. [redacted] is no longer eligible for products managed by NetSpend.A member of our Corporate Response Team spoke with Ms. [redacted] on October 18 to address her concerns regarding the account closure.  We will be mailing the remaining funds on her daughter’s account to the address on file; both accounts have the same address. Ms. [redacted] should receive her refund check within 10 business days. We apologize for the misinformation Ms. [redacted] received regarding the timeframe in which she should receive her check. 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

Wednesday, January 06, 2016 To Whom It May Concern: We received additional concerns regarding complaint # [redacted] filed with your office by [redacted] concerning a disputes claim that was filed with our company. She’s requesting for her money to be returned immediately. On December 29th, 2015, our Disputes Department completed their investigation of Ms. [redacted]’s disputes claim.  A full pay out for her disputed transactions was applied to her account.  Ms. [redacted] was able to access these funds the following day. We regret the inconvenience Ms. [redacted] experienced with the unauthorized transactions made on her account.  We understand the dispute process is lengthy and we appreciate her patience.  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

Tuesday, December 15, 2015To Whom It
May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the inconvenience he
experienced with accessing the funds on his NetSpend card.  He’s requesting his money to be returned to
him.  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.  Mr.
[redacted] purchased his NetSpend card on December 5, 2015. Additional
information was needed to activate his account, and our customer service
requested him to send in identification documents.  Since Mr. [redacted] preferred not to send us his
identification documents, he requested a supervisor.  We apologize that he was not transferred to a
supervisor in a timely manner.  The calls
have been reviewed and appropriate actions were taken.  We
spoke with Mr. [redacted] on December 10th and addressed his
concerns.  The process to send him a
check was started two days prior to our conversation.  His check was mailed within 3 – 5 business
days from December 8th.  NetSpend regrets the inconvenience that Mr. [redacted] experienced while
attempting to 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] states that she has to wait 45 – 90 days for her disputes claim to finalize and no credit will be issued since no letter of disputes was received in ten business days. She wants her credit...

because she sent the fax before the 10th business day. On July 15, 2015, we reached out to Ms. [redacted] by telephone and email. Our Disputes Team reviewed her claim and issued a provisional credit to her account for the unauthorized charges. No further action will be required when the clam finalizes since she has received her funds already, as long as the resolution is in her favor. NetSpend understands the disputes process is lengthy. We appreciate Ms. [redacted]’s patience as we attempt to retrieve her funds. 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 that took place on her card due to a previous negative balance.  She’s requesting the block be removed in order to access her tax refund deposit.  On February 18, 2016,...

[redacted] contacted Netspend to add [redacted] as a secondary user on his account in order to approve her tax refund. Ms. [redacted] had a negative balance on a previous account that needed to be recovered in order grant access to her new funds. We were unable to recover the negative balance to approve the deposit prior to its settlement date, which caused it to be returned back to the sender.I attempted to contact Ms. [redacted] on February 19th and 22nd to address her concerns, but have not heard back from. When she contacts me, I will address the matter with her.NetSpend regrets the inconvenience that Ms. [redacted] experienced while trying to access her tax refund.  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 her disputes claim.  On March 25, 2016, Ms. [redacted] contacted our Customer Service Department to report unauthorized transactions on her account.  We immediately opened a dispute claim...

and began our investigation. On April 7, we concluded our investigation with no credit being issued to her account.  Upon receiving her complaint, we reached out to Ms. [redacted] on May 9 to address her concerns.  After further review of her claim, we credited her account for the transactions in question on May 12.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 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] concerning the inconvenience she has experienced with the decision on her dispute claims.  NetSpend’s disputes process is in accordance with Federal Reserve’s Regulation E guidelines. Per these...

guidelines, the disputes claim timeframe for the initial investigation review, and a provisional credit eligibility decision, can take up to 10 business days. We sincerely apologize if this information wasn’t provided to Ms. [redacted]. On March 5, 2016, Ms. [redacted] disputed a transaction from [redacted] for $611.98 as ATM non-dispense through the website, [redacted].  Our Disputes Department closed her claim on March 17th as they did not find an error occurred on the disputed transaction and no funds were credited to her account.  We spoke with Ms. [redacted] on March 21st and she explained that she intended to file the transaction as an unauthorized charge.  We reached out to the Disputes Department to reopen the claim under a different claim type.  Since they already had Ms. [redacted] stating the transaction was an ATM non-dispense, they required her to send in a disputes letter explaining why the charge is thought to be in error.  Once the disputes letter is received, our Disputes Department will review the claim and determine if it can be reopened.  We apologize for any inconvenience that Ms. [redacted] experienced while disputing the merchant charges. She has 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 unauthorized transactions on his NetSpend card. During routine monitoring, we placed a temporary restriction on Mr. [redacted]’s account on July 5, 2016, because we detected suspicious activity....

 Mr. [redacted] contacted us later that day to confirm that the suspicious transactions were unauthorized.  We immediately blocked the card to prevent any further unauthorized use.  We promptly opened a dispute claim and began our investigation.  We also informed Mr. [redacted] of the investigation timeframes afforded under Regulation E.  We contacted Mr. [redacted] on July 6 to discuss his disputes claim.  We completed our investigation on July 11 and provided full reimbursment for the disputed transactions. We understand how frustrating it can be to experience unauthorized activity on your account. NetSpend is very committed to providing a safe and secure 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

To Whom It May Concern: We received additional comments on complaint # [redacted] filed with your office by [redacted] concerning a block on his account that was caused by a merchant refund. He’s requesting access to his funds because he had no knowledge of the specific ways to load the card.    Our Fraud Prevention Team regularly monitors account activity in order to provide a safe and secure product for all of our cardholders. On December 11, 2015, a systemic block was placed on Mr[redacted]’s account after the merchant Professional Services Refund IE credited his card $300.00. In the event that a refund takes place on a NetSpend account with no corresponding debit, it’s our policy to request a copy of the original purchase receipt in order to authenticate the refund. This policy is in accordance with our responsibilities under the VISA processing rules. The merchant can also reverse the credit and issue the funds to Mr[redacted] by another method of reimbursement.  A third option would be for the merchant to send a Letter of Indemnity to NetSpend so that the funds can be returned to the originator. The originator would then apply the credit by other means.   We spoke with Mr[redacted] on January 7, 2016 and he confirmed that the $300 payment is valid. He sent us an invoice to confirm the payment. For future reference, the card can be loaded through Direct Deposit, Instant Bank Transfer, Mobile check load, or cash load at over a hundred thousand reload locations throughout the USA. This information can be found on our website, www.netspend.com. Since this is a payment transaction, the merchant will have to either reverse the credit or send an indemnity letter. I informed Mr[redacted] of this information during the same phone conversation. He has my contact information should he have any further questions or concerns. Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Wednesday, May 4, 2016 To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning his dispute claim. On March 19, 2016, [redacted] contacted us to dispute several transactions that posted to his account.  We immediately opened a dispute...

claim and began our investigation. We also informed [redacted] of the investigation timeframes afforded to financial institutions under Regulation E. Upon receipt of his complaint, we spoke with [redacted] on April 30 regarding his dispute claim.  A provisional credit was applied to his account on May 5 while his claim is investigated.  We will provide a final update on [redacted]’s claim once if finalizes on July 1. 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. Additionally, we apologize for any unprofessionalism [redacted] received and will be sure provide the proper coaching to avoid this from happening moving forward. We have provided [redacted] with our contact information should he have any additional questions or concerns.  Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company