Realcor Developments Ltd.

Friday, December 08, 2017To 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 reimbursement was not provided. After review, we’ve determined that his claim was handled correctly. As you requested, we addressed this matter directly with Ms. [redacted] on December 7, 2017 by way of e-mail. We provided her with further insight on the dispute process. Thank you for bringing this matter to our attention.Thank you,[redacted]Customer Experience AnalystNetspend, a TSYS Company

To Whom It May Concern: Thank you for forwarding Ms. [redacted] complaint to us. As you requested, we addressed this matter directly with Ms. [redacted] on March 22, 2018 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

Thursday, December 10, 2015To Whom It
May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the reversal of a
provisional credit issued on a disputes claim that was lost.  She’s requesting an investigation of a
transaction that was not released back...

into her account balance.On September 25, 2015, Ms. [redacted]’
NetSpend card was charged twice by the merchant, [redacted], for $141.86 and
$75.00.  The merchant collected on the
$141.86 charge on September 27th.  The next day, the merchant collected $0.50 out of the $75.00 charge and
the residual amount was returned to Ms. [redacted]’ card balance.  Her available card balance increased from
$609.91 to $684.41. Later, on October 21, 2015, Ms. [redacted] disputed the two
transactions collected by [redacted], for $141.86 and $0.50.  We informed her that an update would be
provided within ten business days, November 4th.  On the tenth business day, our Disputes
Department issued a provisional credit for the disputed amounts and updated the
claim with a final date of December 21st.  Our Disputes Department received
notification, from the merchant [redacted], that the transaction was booked by
Ms. [redacted] as a fall promotion and is not refundable.  A notification was sent to Ms. [redacted] on
December 4th that the provisional credit would be reversed and that
no errors were found with the disputed transactions.  We spoke with Ms. [redacted] on December 9th about the disputes claim.  She informed
us that her intentions were to dispute the funds that were not released back to
her card balance.  We explained that the
hotel hold for $75, minus the 50 cents, was released back to the card balance
on September 28th, as described above.  NetSpend regrets the inconvenience that
Ms. [redacted] experienced as a result of the disputes claim decision. 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

Wednesday, May 10, 2017To Whom It May Concern:Thank you for forwarding Ms. [redacted] additional comments to us. When investigating dispute claims reported by our cardholders, we adhere to the processes as defined in both Regulation E and in the NetSpend cardholder agreements that customers receive when opening a Card Account. We have reviewed Ms. [redacted] dispute claim and complaint that provisional credit was not provided. After re-review, we have determined that her claim was handled correctly. We attempted to reach Ms. [redacted] by phone and email on May 10, 2017, but unfortunately, we were unable to speak with her. We emailed her on May 10, informing her of the dispute process and provided her with the date her claim is scheduled to be concluded.  Her case has been assigned to a Corporate Customer Response Team Analyst, [redacted]. Should she contact our Customer Service Department, we have left notes on her account for her to be connected with [redacted] to further assist with this matter.  Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern.[redacted]Customer Experience Analyst 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.
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.
Regards,
[redacted]

the reason I rejected it was because no check have not been sent out to me and plus my account was closed without my permission!

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning his disputes claims.On May 15, 2016, Mr. [redacted] logged onto his online account to report several unauthorized transactions that posted to his account.  We immediately blocked his...

card to prevent any further unauthorized use.  Two dispute claims were opened and we promptly began our investigation.  We also informed Mr. [redacted] of the investigation timeframes afforded to financial institutions under Regulation E. On May 26, we concluded our investigation of Mr. [redacted]’s claims and issued full reimbursement for the disputed transactions.  NetSpend is committed to providing a safe and secure product.  We appreciate Mr. [redacted]’s patience as we worked to resolve his dispute claims.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

Friday, January 06, 2017To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claim. On December 15, 2016, Ms. [redacted] contacted our Customer Service Department and reported unauthorized transactions that posted to her Card...

Account. We immediately blocked her Card Account to prevent further unauthorized activity. We promptly opened a dispute claim and began our investigation.  We informed Ms. [redacted] of the investigation timeframe afforded under Regulation E. We concluded our investigation on January 4, 2017, with no credit being issued to Ms. [redacted] Card Account because we did not find an error occurred.  Based on our investigation, we have reason to believe that the transactions were authorized and that Ms. [redacted] benefited from the transactions.  A letter detailing the results of our investigation was mailed to Ms. [redacted] address on file. In response to her communication, a member of our Corporate Response Team spoke with Ms. [redacted] on January 4, and discussed the results of her dispute claim.  Her Card Account has been closed and she is no longer eligible for products managed by NetSpend.  Ms. [redacted] will receive a check with her remaining Card Account balance within 20 business days. 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 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 she has not received her replacement card that she ordered on June 26th.  She’s requesting for a new card to be expedited.On July 12, 2015, Ms. [redacted] contacted our...

customer service as a result of not receiving her replacement card. Our customer service verified her address on file and ordered a new card for her. She will receive that card by July 27th at the latest. On July 21st, I spoke with Ms. [redacted] and transferred her funds to another card in efforts for her to have immediate access to her funds until she receives her replacement cardNetSpend regrets the inconvenience that Ms. [redacted] experienced as a result of not receiving her initial card order. I 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

I am writing to let you know that NetSpend has refused to solve this matter regardless of the lies they are telling the Revdex.com. I have been told by 2 people: [redacted] Corporate Customer Response Team NetSpend A TSYS Company And [redacted] CEO Response Team | NetSpend, a TSYS Company |[redacted]  That my money would be returned in full within 3-5 business days. This problem with them had been going on for months. They tell you lies and tell me different lies. I still have not received my full refund and now both people have refused to speak to me and have ignored email and now have blocked my email's. They need to be held accountable for their actions and NetSpend need to refund my money and be shut down. [redacted]

Monday, February 06, 2017 To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a pending transaction on her Card Account. On January 31, 2017, we received an authorization request from the merchant, That Fish Place in the amount of $100.98...

on Ms. [redacted] Card Account. She contacted us on that same day, and reported the transaction was cancelled. We requested Ms. [redacted] to provide us with documentation from the merchant that would confirm they would not be collecting on the transaction in order to release the funds back into her available balance.  If a cardholder requests a release of a pending transaction before we receive the merchant’s settlement request, we request written confirmation from the merchant advising that the transaction will not be collected. We request confirmation for the protection of our cardholders as well as merchants who, having received authorization for a transaction, have the right to collect for legitimate transactions.In response to her communication, a member of our Corporate Office reached out to Ms. [redacted] on February 3.  We informed Ms. [redacted] via email that the funds were released back into her available balance on February 2, after she spoke with a Customer Service Supervisor.   NetSpend is very committed to providing a safe and secure product.  We have provided Ms. [redacted] with our contact information should she have any further questions or concerns.  Thank you,[redacted] Senior Customer Experience Specialist Netspend, a TSYS Company

Friday, May 27, 2016   To Whom It May Concern:   We received complaint # [redacted] filed with your office by [redacted] concerning his refund check.    We are required 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 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. The card package also states that use of the card is limited prior to identity verification and the fees are listed on the outside cover for viewing before purchasing.   On March 4, 2015, Mr. [redacted] contacted us to activate his card.  The identity information he provided could not be verified and our Customer Service Department requested identification documents to manually approve his account.  We received Mr. [redacted] documents on June 13, 2015, but they were not sufficient to successfully verify his information. On March 18, 2016, Mr. [redacted] requested to close the account and send him a refund check.  A refund check for the remaining account balance was mailed to the address on file on May 21.  He should receive this check within 10 business days.   We have provided Mr. [redacted] with our contact information should he 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 residence. He’s requesting for NetSpend to remove information from the system and not to be contacted again. 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.  [redacted] has requested that we do not contact him.  We have canceled the card offer that was sent and have updated our systems to prevent future card offers from being sent to [redacted].  Additionally, we have submitted a request to our Marketing Department in order to obtain information on how his name and address was obtained.  We regret any inconvenience [redacted] experienced as a result of this card offer.  Our contact information has been given should the potential cardholder have any additional questions or concerns.  Thank you, [redacted] Corporate Customer Response Team 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.
BUT I DO WANT MY CHECK BY THE END OF THE WEEK AS YOU HAVE HAD MY MONEY FOR OVER TWO WEEKS NOW!!!! NO ONE IS GOING TO PAY MY LATE PAYMENT BILL. NOW I AM BEHIND BECAUSE YOU REFUSED TO LET ME USE MY OWN 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. The person who called me was very pleasant and sincere. I appreciate them working with me on this.
Regards,
[redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Ms. [redacted] mentions that she was unaware of a 10 day deadline, and was not given a temporary credit for her disputes claim. She’s requesting a refund for the disputed amount to her card...

immediately. On September 1, 2015, Ms. [redacted] disputed four transactions from SLAC that occurred June 10th, June 24th, July 6th, and July 25th through our online account center, website www.netspend.com. Once she successfully disputed the transactions, Ms. [redacted] received a notification that an update would be provided within ten business days, September 16th. On the tenth business day, our Disputes Department notated her account that her disputes claim was still under review, and will be resolved by October 19th. Ms. [redacted] was not eligible for provisional credit. We have requested for our Disputes Department to re-review Ms. [redacted]’s provisional credit eligibility, and will contact her once an update is received. NetSpend regrets any inconvenience that Ms. [redacted] experienced while disputing the transactions on her account. We have provided her with our contact information should she have any additional questions or concerns. Thank you,Billy L. CampbellCorporate Customer Response TeamNetSpend A TSYS Company

To Whom
It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning his inconvenience with accessing
his funds on the NetSpend card that he purchased.  He’s requesting his funds to be returned to
him immediately.  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 October 21, 2015. Additional information
was needed to activate his account, and our customer service requested for Mr.
[redacted] to send in identity documents.  We
received acceptable documents from him to manually approve his account on
November 2nd. The same day, we reached out to Mr. [redacted] by telephone
and email to further address his concerns, but have not had the opportunity to
speak with him.   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

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]

Complaint: [redacted]
I am rejecting this response because Netspend did not answer my question as to what unsafe practice they discovered, nor did they expedite my refund.  I believe that my account was closed because their investigation discovered that one of their employees is selling client information and they don't want anyone to know.  I also have a large issue with the fact that Netspend lists themselves as a U.S. bank but does not have one physical address or employee inside the U.S.
Regards,
[redacted]