Realcor Developments Ltd. Reviews (4345)
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Address: 317 259 Midpark Way SE, Calgary, Alberta, Canada, T2X 1M2
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To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning a NetSpend Western Union card that was mailed to her that she did not order. She’s requesting for NetSpend to remove her information from our system and to discontinue sending card offers in...
the future. 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 January 29, 2016, we reached out to Ms. [redacted] by telephone and email. We have not had the opportunity to speak with her, but will address her concerns when she returns our call. We have canceled the card offer that was sent, and have updated our systems to prevent future card offers from being mailed to her address. Additionally, we have submitted a request to our Marketing Department in order to confirm how Ms. [redacted]’ name and address were obtained. We will convey that information to her once it is received. We regret any inconvenience that Ms. [redacted] experienced as a result of this card offer. 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] concerning a NetSpend card that was mailed to his deceased wife. He’s requesting for NetSpend to remove her information from our system, and to not receive card offers going forward in her name. ...
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 January 22, 2016, we spoke with [redacted] and addressed his concerns. We have canceled the current card offer that was sent, and have updated our systems to prevent future card offers from being mailed to his address in the name of his wife. Additionally, we have submitted a request to our Marketing Department in order to confirm how his wife’s name and address was obtained. We will convey that information to him once it is received. We apologize for any inconvenience that [redacted] 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 Team NetSpend A TSYS Company
Friday, August 26, 2016To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning his dispute claim. On July 27, 2016, Mr. [redacted] contacted us to report an unauthorized transaction that occurred on his card. We immediately blocked his card to...
prevent further unauthorized activity. We were unable to open a dispute claim immediately because the transaction was still pending. To assist him with his dispute, we needed the transaction to first settle to his account. Mr. [redacted] contacted us on July 29 to open a dispute claim. We informed Mr. [redacted] of the investigation timeframes afforded under Regulation E. We received Mr. [redacted]’ letter of dispute on August 13. We issued a provisional credit to Mr. [redacted]’ account on August 24, while we continue our investigation of his dispute claim. 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 Mr. [redacted] with our contact information should he have any other questions or need any further assistance. 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 his dispute claim. On October 17, 2016, Mr. [redacted] contacted us to report that someone performed an unauthorized transfer of his funds to another NetSpend account. We promptly opened a...
dispute claim and began our investigation. We informed Mr. [redacted] of the investigation timeframe afforded under Regulation E. A block was also placed on Mr. [redacted] account to prevent any additional unauthorized transfers. On October 18, we completed our investigation and provided full reimbursement to Mr. [redacted] account for the disputed transaction. The results of the investigation will be mailed to Mr. [redacted] in writing within 3 business days of completing our investigation. A member of our Corporate Response Team spoke with Mr. [redacted] on October 18, to discuss his dispute claim. We confirmed with Mr. [redacted] that we reimbursed his account for the disputed transaction.We have provided Mr. [redacted] with our contact information should he have any other questions or need any further assistance. 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 refund check she has not received. On March 8, 2016, Ms. [redacted] attempted to activate her NetSpend card, but we were unable to verify her identify using the information she provided. We asked Ms. [redacted] to send us copies of identifying documents. Ms. [redacted] contacted our Customer Service Department and converted the account to limited use because she did not wish to provide the requested identifying documents. This Limited Use option prevents cardholders from using their cards for online or over-the-phone transactions. This option only allows credit and debit transactions at the point of sale.On March 16, Ms. [redacted] contacted us and requested that we close the account. A check for the remaining card balance was mailed to her address on March 18.Ms. [redacted] called us back on March 31 and reported that she has not received the check. We mailed a second check to her confirmed address on April 15. Ms. [redacted] confirmed that she received the second check on April 25. 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
Thursday, March 8, 2018 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 March 7, and 8, 2018 by telephone. She informed us that the concern had been resolved. We provided...
assistance to Ms. [redacted] and her Fiancé to insure this incident does not occur again. 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
Monday, October 03, 2016 To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning the fees associated with her new account. On August 29, 2016, Ms. [redacted] contacted us to activate her personalized card that was attached to the account created on April 04, 2016.The default fee plan is a Pay As You Go, if the alternative monthly Fee Advantage plan is not selected. Ms. [redacted] direct deposit was posted to the account on September 14 and she began using her card for purchases. The Pay As You Go fee plan charges a $1 fee for signature purchases and a $2 fee for purchases using the PIN. These fees were charged correctly according to the fee plan. As noted in the previous response, we subscribed her to the monthly $5.00 Fee Advantage plan and, as a courtesy, we refunded all the transaction fees she was charged since her account was opened. We apologize for the service that Ms. [redacted] experienced with our Customer Service Department regarding the wait time and information provided. 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 Team NetSpend A TSYS Company
To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Ms. [redacted] states that she disputed a charge on her card and it was blocked. She wants the card order fee and the card expedite fee refunded.On May 18, 2015, Ms. [redacted] disputed a charge through the...
online account center as unauthorized use of her card. As a protection against other unauthorized use, the card was blocked automatically. She called the same day to unblock the card but we could not comply due to our efforts to protect her remaining funds. She requested that the replacement card be rushed out to her at a fee of $25. We complied with her request. NetSpend regrets the inconvenience that Ms. [redacted] experienced with the unauthorized charge on 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
Tuesday, August 23, 2016 To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning the fees associated with her NetSpend card. On November 10, 2014, a temporary card was purchased from a retail store and was given to Ms. [redacted] as a gift. Ms. [redacted]...
called to activate her card on November 30, 2014. 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. Also, on the outside of the card packaging is displayed to all prospective customers about fees associated with the card and that the temporary card expires 120 days after purchase. Ms. [redacted] opted not provide all of the information requested in order to activate the card for full use. The card was set to limited use on December 10, 2014. The limited use option allows the customer to use the card for in store purchases and PIN based transactions only and after the funds have been utilized the card can be discarded, as it cannot be reloaded. Ms. [redacted] contacted us on August 15, 2016 to inquire about the funds on the card. Our Customer Service Department advised her that her temporary card had expired and of the maintenance fees associated with her account. Ms. [redacted] previous attempts to use the card were declined for insufficient funds, due to the transaction fee not being accounted for. In response to this communication, a member of our Corporate Response Team reached out to Ms. [redacted] on August 23, but unfortunately, we have not had the opportunity to speak with her. We corresponded via email and Ms. [redacted] provided us with information to locate her account. As a courtesy, we refunded all the remaining maintenance fees deducted from her account, restoring the balance to the original amount loaded to the card. A check for that balance will be mailed to Ms. [redacted], and she should receive the check within ten 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 Team NetSpend A TSYS Company
To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning the activation of her Card Account. 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 inside flap of the card package and is visible to consumers prior to purchase. February 12, 2017, Ms. [redacted] attempted to activate her new NetSpend Card Account but a temporary restriction was placed on the card account, because during routine monitoring we detected suspicious activity. In order to remove the restriction, we requested Ms. [redacted] to provide copies of her identification documents to verify her identity in order to approve the Card Account. A member from our Corporate Office spoke to Ms. [redacted] on February 13, 2017, and explained why the documentation is needed. Ms. [redacted] agreed to send the documentation to approve her Card Account and remove the temporary card account restriction. We apologize for the 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 he have any additional questions or concerns. 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 a negative balance on an old account.On November 20, 2015, Ms. [redacted] contacted our Customer Service Department to report an unauthorized transaction made on her card. We were...
unable to open a dispute claim immediately because the transaction was still pending. To assist her with her dispute, we needed the transaction to first settle to her account. Ms. [redacted] requested to close her account that day and the unauthorized transaction settled shortly after, leaving the account balance negative. Ms. [redacted] did not contact us back to initiate a disputes claim.On July 21, 2016, Ms. [redacted] purchased a PayPal Prepaid MasterCard that is managed by NetSpend. Due to the negative balance on her old account, we were unable to approve and activate her new card. Ms. [redacted] opted to convert the account to “Limited Use” in order to access her funds. This “Limited Use” option allows cardholders to access the funds on the card for in-store purchases only. Once the card balance is depleted, the card can be destroyed. In response to her communication, we attempted to contact Ms. [redacted] on August 3, but we did not have the opportunity to speak with her. Since she originally attempted to dispute the unauthorized transaction on her old account, we removed the negative balance. Ms. [redacted] is now eligible for products managed by NetSpend.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
Monday, August 14, 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] by telephone on August 11, 2017. We emailed Ms. [redacted] with the details of actions taken on her account to...
resolve her concerns on August 11 and 14. 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
Friday, August 28, 2015To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Mr. [redacted] mentions disputing transactions on his NetSpend account and he has not received his money back. He wants all the money from his disputed transactions and...
ACH debits. On August 19, 2015, Mr. [redacted] disputed six transactions that were completed on his NetSpend card. We informed him an update would be available for the claim within ten business days, September 2nd. We updated the claim on August 21st with no error found. The disputes claim was closed and a letter was mailed detailing the investigation. Our Risk Management Team regularly monitors our cardholder’s accounts in efforts to prevent compromising activity, or unacceptable account usage. Our Risk Management Team identified risk factors that led to the blocking of Mr. [redacted]’s accounts on August 21st. On August 19th, there were also seven ACH (Automated Clearing House) disputes opened.. These funds were collected by using the account number and bank routing number. Mr. [redacted] will receive an update on these claims within ten business days, September 2nd. If his ACH disputes are successfully won, we will mail a check to the address on file. NetSpend understands the disputes process is lengthy. We appreciate Mr. [redacted]’s patience while we attempt to retrieve his funds. Should he have any additional questions, he can reach us at ###-###-###[redacted] Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company
Wednesday, March 29, 2017To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the activation of his Card Account. 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 inside flap of the Card Account package and is visible to consumers prior to purchase. Our packaging also informs that the person activating the card must be at least 18 years of age and that it is not a gift card. A member of our Corporate Response Team spoke with Mr. [redacted] on March 27, to discuss the activation of his Card Account. We refunded the Card Account purchase fee and closed the Card Account. Mr. [redacted] will receive a refund check for the remaining Card Account balance within ten business days. We have provided Mr. [redacted] with our direct contact information should he have any additional questions concerning this matter. Thank you,[redacted]Corporate Customer Response TeamNetspend, a TSYS Company
Complaint: [redacted]
I am rejecting this response because:I have proof and pictures/ video surveillance that shows me at home with my card
Regards,
[redacted]
To Whom
It May Concern:We received complaint # [redacted] filed with
your office by [redacted] concerning
fees on her NetSpend account. She’s
requesting to be reimbursed for the fees. On October 31, 2015, Ms. [redacted]
purchased a NetSpend prepaid card at a retail store that distributes...
our
product. The outside of our packaging
displays useful information so that the consumer can make an informed
decision. We provide details of the fees
that occur when the card is used. The package also informs the consumer of available
Fee Plans that could possibly save money if subscribed to. We reached out to Ms. [redacted] on December
1st by telephone and email. We have not had the opportunity to speak with her, but will assist with her
concerns about the fees incurred on her account, and alternative fee plans
available to her. NetSpend regrets the
inconvenience that Ms. [redacted] experienced with fees charged on 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]
concerning the NetSpend card offer that she received to an address that she
never lived at. She’s requesting to be
opted out of future card offers.The offer that Ms. [redacted] received was sent
to...
her in compliance with the Electronic Fund Transfer Act as implemented
through Regulation E (12 CFR 1005.5(b)). Her social security number and date of
birth were not provided and are not connected to this offer in any way. No account
in her name has been activated without her permission. This offer is NOT a
credit card, it contains no value, and it cannot be used to conduct
transactions. No credit report has been or will be obtained in connection with
this offer, and this offer does not have any effect on Ms. [redacted]’s credit. NetSpend works with third party marketing
partners that provide us with information for consumers who may need a service
like the NetSpend Prepaid MasterCard. We mail those consumers card offers.
Because Netspend feels strongly about customer privacy, we only contract with
marketing affiliates that have collected the information from willing consumers
and have received permission to share it with us. Again, the offer is not active and cannot be
used unless activated. During activation NetSpend verifies the identity of the
person activating the offer to ensure that the card can only be used by the
intended recipient. On November 5, 2015, we spoke with Ms. [redacted]
concerning the card offer. We removed
her name and address from our mailing list and she should not receive any
future offers from any NetSpend managed programs. We’ve also submitted a
request to obtain specific details of how Ms. [redacted]’s information was obtained
for this card offer. When it is
received, we will relay the information to her. We
apologize for any inconvenience that Ms. [redacted] experienced as a result of this
card offer. 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]. Mr. [redacted] mentions that his account was frozen due to a merchant refund, and the funds have not been released to him. He’s requesting access to the funds that were credited to his card. 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 September 3, 2015. The merchant Professional Translating credited his card $635.00, but there was no corresponding debit on his account. Our Risk Management Team blocked the account and requested proof of the original purchase receipt. Our Risk Management Department reviewed the document and removed the account block on September 4th. NetSpend regrets the inconvenience that Mr. [redacted] experienced as a result of the block on his account. He has been given my contact information should he have any further questions or concerns. Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company
Hi, My dispute has been resolved . thank you!!
To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning a refund check that she has not received. 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. On August 22 2016, Ms. [redacted] purchased a Netspend card with $80.00; however during the activation process our system identified that she was no longer eligible for our services based on previous account activity. Ms. [redacted] confirmed her address was correct and we mailed her a refund check for remaining funds on the account on August 24. Ms. [redacted] should receive the check within ten business days. On August 29, Ms. [redacted] contacted us because she had not received her check however, to avoid check fraud, it is our policy to allow 15 business days before reissuing a new check. On September 7, Ms. [redacted] contacted us again because she had not received her check. We confirmed with Ms. [redacted] that her shipping address had not been updated. The refund check was returned back to us as undeliverable on September 20. We placed the funds back on to the account until we could verify the address that Ms. [redacted] provided. We spoke with Ms. [redacted] on September 29, and confirmed the address with her. On October 5, we mailed another check to Ms. [redacted]. On October 26, we received Ms. [redacted]’s refund check back as undeliverable again. A member of our Corporate Response Team spoke with Ms. [redacted] on October 26. We updated Ms. [redacted]’s address and are mailing her a refund check that she should receive within 5 business days. Additionally, we issued a courtesy credit to Ms. [redacted]’s account due to her address not being previously updated. We are mailing Ms. [redacted] a separate check for the courtesy credit issued. Ms. [redacted] should receive this check 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 Team NetSpend A TSYS Company