Realcor Developments Ltd.

To Whom It May Concern:   We received complaint # [redacted] filed with your office by [redacted] concerning his Western Union transaction.    On September 14, 2016, Mr. [redacted] completed a Western Union transaction to send money to a recipient within the USA.  The same day, he...

contacted our Customer Service Department and requested to cancel the Western Union transaction. He also requested we raise his limit on transferring funds to other NetSpend accounts.  We transferred his call to the third party, Western Union to assist with cancelling the transfer.  We also informed him of the transfer limits set and he was able to successfully transfer funds to another NetSpend account.    A member of our Corporate Customer Response Team spoke with Mr. [redacted] on September 15, and explained the daily, weekly, and monthly limits on transferring funds to another NetSpend cardholder.  He informed us that Western Union provided him a refund for his posted transaction in a local store, but it was minus $20.00.  As a courtesy, we issue a credit to Mr. [redacted]’s account for the difference and suggested that he contact Western Union about the shortage.  We also assisted him with expedited card orders on two of his accounts.  We recommend for Mr. [redacted] to review the new Small Business Card offered by NetSpend to assist entrepreneurs with managing daily business expenditures.    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 the fees associated with her Netspend card. The NetSpend packaging that the card comes with has important information that notifies the consumer of basic fees that are associated with...

the card. This information is also available on our website.On March 7th and 8th, 2016, I attempted to contact Ms. [redacted] by phone and email to address her full concerns.  At Ms. [redacted]’s request, we will be mailing her a check for her full balance to her address on file. She should receive this check within 10 business days.NetSpend regrets the inconvenience Ms. [redacted] experienced with the fees charged to her account. 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]. Mr. [redacted] states that he has not received the check for his closed account. He wants the funds owed to him. On June 25, 2015, we spoke with Mr. [redacted] and he informed us that he has received the second...

check mailed to his address. He did not receive the disputes closure letter we mailed him on April 3rd, so we are resending that to him. The disputes claim was closed on April 2nd with no error found. No funds were recovered to be credited to Mr. [redacted]’s account. Our Risk Department has determined he is no longer eligible for NetSpend services. NetSpend regrets the inconvenience that Mr. [redacted] experienced while waiting on his check. We have provided him 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]. Mr. [redacted] states that his account was cancelled 2 hours after he loaded funds onto it, and he has not received the remaining funds. He’s requesting to be reimbursed immediately. On June 22,...

2015, Mr. [redacted] attempted to activate his NetSpend card, but the system automatically blocked the account due to a previous Skylight account that was left with a negative balance for more than 180 days. Our Recoveries Department reviewed Mr. [redacted]’ new account on June 24th and removed the account block. The next day his deposit posted to the account and Mr. [redacted] was able to use some of his funds. However, our Recoveries Department blocked his account again on June 25th. We have since worked with our Recoveries Department to reinstate both of Mr. [redacted]’ accounts so that he has full access to his funds. A refund check has been sent on August 7th in the amount of $315.32. He will receive this check within 5 – 7 business days. We have also issued Mr. [redacted] a courtesy credit due to the inconvenience that he’s gone through in efforts to retrieve his funds. NetSpend regrets the inconvenience that Mr. [redacted] experienced while trying to use his new card. We have provided him 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 Mr. [redacted] complaint to us. As you requested, we addressed this matter directly with Mr. [redacted] on December 7, 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]
[redacted] Netspend, a TSYS Company

To Whom
It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning issues that he
experienced with his card that was ordered online.  He’s requesting to be reimbursed for the
maintenance fees.  Mr.
[redacted]’s card was ordered through the...

website www.netspend.com on January 31,
2015.  He activated the card he received
in the mail and loaded it with $40.00 with a direct deposit from his bank on
February 19th.  The $20
Refer-A-Friend bonus was not applied at this time because a referral code was
not provided.  Per the terms and
conditions of Mr. [redacted]’s account, upon card activation, a $5.95 account
maintenance fee is applied each month after 90 days of account inactivity. The
card fees, and other useful information about using the card, are presented
online at the top of the web page under “How it works”.  Maintenance fees were deducted monthly from
May 19th until September 19th.  We
spoke with Mr. [redacted] on December 8th and explained the details
of his card.  We addressed his concerns,
and a refund check will be mailed to his address in 3-5 business days.  NetSpend regrets the inconvenience that Mr.
[redacted] experienced with our 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

Complaint: [redacted]
I am rejecting this response because: the complaint still are unresolved and the money that are keeping from is putting me behind in bills and I'm unable to provide for my 8 month old daughter. Which sense then she ran out of milk and diapers. Which resolves me to borrowing money and being put in debt
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:  YES.  I DID recieve a phone message and email from Netspend ([redacted]) NO. I do NOT have my tax refund yet.  ...I have not yet had a chance to return Mr. "[redacted]"s  phone call as of yet because I work in the PACIFIC time zone and have yet to find time during my work day to call him back.  However in his EMAIL to my personal account he (Netspend) once again assured me that my Tax refund, funds are awaiting return to the I.R.S.  as per EVERY conversation i've ever had with customer service of Netspend. So excuse me if i'm a bit sceptical. YES I do intend on returning [redacted]'s phone message asap on monday morning (23rd)    I would however like to note that in his personal email message to me, he "[redacted]" stated that there was nothing further I needed to do pending notification of the I.R.S. recieving my funds from NETSPEND.  But I will however call him as soon as possible to get clarification of the whereabouts of my funds.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:we have yet to receive our check refunding the money.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because: I MADE THE CLAIM ON THE 23RD.  LATER THAT DAY, ON THE 23RD MY CARD WAS STILL ACTIVE BECAUSE I THOUGHT TO MYSELF, WANDER IF THEY CANCELED MY CARD.  I WAS CURIOUS BECAUSE THEY NEVER SENT NOTIFICATION OF DISABLING MY CARD.  I WENT TO ATM AND TRIED TO WITHDRAWAL MONEY AND LONE BEHOLD, MY CARD WAS STILL ACTIVE AND I WITHDREW MONEY.  THERE WAS SEVERAL TRANSACTIONS THAT ALSO WENT THROUGH.  I MADE AN ADDITIONAL CLAIM OF ANOTHER AUTHORIZED CHARGE BECAUSE SINCE MY CARD WAS NOT DISABLED, FOREIGN TRANSACTIONS WAS STILL GOING THROUGH JUST AS THE SAME AS THE 20 PREVIOUS.  NETSPEND NEVER DISABLED MY CARD UNTIL I SPOKE WITH THEM ON THE PHONE AND I ASKED THEM TO PLEASE DISABLE THE CARD, SO THE REP/AGENT THEN ASKED ME IF I NEEDED A NEW CARD SENT TO ME.  THATS WHEN I INFORMED THEM IM SURE ILL NEED A NEW CARD TO HAVE MY FUNDS DEPOSITED BACK TO ME, OTHERWISE I COULD NOT ACCESS MY MONEY.  ITS NOW JUNE 6TH AND STILL HAVE NOT RECEIVED A NEW CARD.  WHICH I HAVE READ NUMEROUS OF COMPLAINTS, ABOUT HOW NETSPEND, REFUNDS THE MONEY FOR A FEW DAYS TO THE ACCOUNT OWNER BUT CONSEQUENTLY THE ACCOUNT OWNER CANNOT ACCESS THE MONEY BECAUSE THEY DO NOT SEND A NEW CARD, THEN FEW DAYS PASS AND THE FUNDS DISAPPEAR AGAIN.  BY THE WAY, ITS ALL PLAYED OUT SO FAR, SEEMS LIKE MY SITUATION IS NO DIFFERENT THEN THEIR USUAL PROCEDURE.NETSPEND DIDNT CONTACT ME UNTIL THE 26TH AND IT WAS FROM A MALE REP STATING THAT WE HAD PREVIOUSLY SPOKEN OVER THE PHONE IN WHICH WAS NOT THE CASE.  I HAD NEVER SPOKEN TO ANYONE OVER THE PHONE AND INFORMED HIM OF THAT.  NOBODY REACHED OUT TO ME....  I REACHED OUT TO THEM MANY TIMES ON THE PHONE AND BY SUBMITTING CLAIM STATUSES ETC.  NEVER DID ANYONE REACH OUT TO ME UNTIL I FILED WITH THE Revdex.com AND THEN I RECIEVED THE EMAIL STATING THAT WE HAD TALKED PREVIOUSLY ON THE PHONE.  **(I HAVE ATACHED THE CORRESPONDENCE BETWEEN NETSPEND AND MYSLEF, TO THIS RESPONSE)I DO NOT ACCEPT NETSPEND RESPONSE BECAUSE THEY HAVE YET TO DO ANYTHING AND UNTIL SOMETHING IS DONE REGARDING THE FUNDS I HAD STOLEN FROM MY CARD IN WHICH WAS NEARLY EVERY PENNY TO MY NAME, THE RESPONSE WILL BE REJECTED.  THIS IS OBSURD AND BY WHAT OTHER COMPLAINTS I HAVE READ FROM OTHER CONSUMERS, THIS IS THE WAY NETSPEND CONDUCTS THEIR BUSINESS AND TO ME I SEE EVERY CASE AS A THEFT CASE.  THE CRAZY FOREIGN CHARGES SHOULDVE BEEN REJECTED THE VERY FIRST TIME THEY TRIED STEALING MY MONEY.  WHAT IS THE USE OF A FRAUD DEPARTMENT IF THEY DO NOT CATCH RED FLAGS AS THESE.  FOREIGN CHARGES, ALL IN THE WEE HOURS OF THE MORNING, CHINESE JIBBERISH, ONE SAYS ELECTRONIC SALES, THE NEXT FEW MINUTES LATER SAYS , AUTO SERVICES AND THEN SOME THAT SAYS FINANCIAL INSTITUTIONS AND THEN THE PROCESS STARTS OVER WITH ELECTRONIC SALES, AUTO SERVICES, ETC.  ANY FRAUD DEPARTMENT SHOULD CATCH THIS ACTIVITY.  TO BE INSURED BY FDIC ETC, ONE WOULD THINK THE COMPANY WOULD CONDUCT THEIR BUSINESS BETTER.  
Regards,
[redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Ms. [redacted] mentions that her card was being declined although she had sufficient funds on her account. She’s requesting for someone to contact her to address her concerns. On September 30,...

2015, we spoke with Ms. [redacted] and she informed us that the card is working now. We apologized for the declines that she received from the merchants when the funds were available on her account. Our system did not show any attempts to use the card during the period that she mentioned, and there were no reported outages from NetSpend regarding card transactions. We have contacted VISA to further research the declined transactions in efforts to prevent this from happening in the future. We’ll be sure to keep Ms. [redacted] posted if we receive an update. We’ve also provided Ms. [redacted] with some alternative options if this should occur in the future. NetSpend regrets the inconvenience that Ms. [redacted] experienced with the declined card transactions. 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 block on her
account that was caused by a merchant refund. She’s requesting access to her
funds.    Our Fraud Prevention Team regularly
monitors account activity in order...

to provide a safe and secure product for all
of our cardholders. On November 15, 2015, a systemic block was placed on Ms.
[redacted] account after [redacted] credited her card $280.00. 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 Ms. [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. Our Fraud Prevention Team reviewed Ms. [redacted] document on
December 3rd and removed the account block.    On December 3rd, we spoke
with Ms. [redacted] and she advised that her concerns are resolved. NetSpend regrets
the inconvenience that Ms. [redacted] experienced as a result of the block on her
account.  She has been provided my
contact information should she have any further 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 NetSpend card that was mailed to her that she did not order. She’s requesting for NetSpend to stop sending her cards and to know how we obtained her information.  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. On February 4, 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]’s 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 the outcome of her dispute claim.  On April 5, 2016 Ms. [redacted] logged onto her online account center and opened a dispute claim for several unauthorized transactions that posted to her...

account.  We issued a provisional credit to Ms. [redacted]’s account on April 19, while we continued our investigation of her dispute claim.  On May 20, we concluded our investigation of Ms. [redacted]’s dispute claim and did not find that an error occurred.  We received supporting documentation from the merchant involved in Ms. [redacted]’s dispute claim that validated the transactions. We notified Ms. [redacted] that the provisional credit would be reversed on May 27. Upon receipt of her complaint, we reached out to Ms. [redacted] to discuss the outcome of her dispute claim.  We requested documentation involved in our dispute investigation to be mailed to her address on file.  She will receive this in the mail 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: Thank you for forwarding Ms. [redacted] complaint to us. As you requested, we addressed this matter directly with Ms. [redacted] on August 16, 2017 by way of telephone. 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

Tuesday, December 15, 2015To Whom It
May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the inconvenience that
she’s experiencing with her disputes claim. She’s requesting a refund for the
disputed items.  On December
7, 2015, Ms. [redacted] called to...

dispute four charges from the merchant, [redacted]  She informed our
customer service that the charges were unauthorized and we blocked the card
that was used to protect against additional unwanted activity. When Ms. [redacted] spoke
with customer service, the transactions were still pending so the disputes
claim was started the next day.  Ms.
[redacted] was informed that an update would be provided within 10 business days,
December 22nd.  On that day,
our Disputes Department will provide an update on the claim, and determine
provisional credit eligibility. Dispute claims involving foreign transactions
can take up to 90 days from the claim creation date to finalize.  This timeframe allows the merchant reasonable
time to respond to the disputes claim. We reached
out to Ms. [redacted] on December 15th by telephone and email.  We have not had the opportunity to speak with
her, but will assist with her concerns when she returns our call.  NetSpend understands that the disputes
process can take some time to resolve. Please know that we are working as diligently
as possible in attempt to recover the funds for Ms. [redacted] and we appreciate her
patience. 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] concerning a dispute claim.On March 2, 2016, Ms. [redacted] reported a charge on her card that she had cancelled.  We spoke with Ms. [redacted] on March 7th and requested she send documentation showing the...

cancellation. On March 8th, our Disputes Team reviewed the document and issued her a provisional credit while the claim is under investigation through MasterCard.NetSpend regrets the inconvenience that Ms. [redacted] experienced with being charged for a transaction she had cancelled. 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]. Ms. [redacted] states that her card was blocked after she instructed the agent not to. She wants the money from her card refunded. On May 12, 2015 we spoke with Ms. [redacted] about the blocked card. During the...

call on May 6th, the card was thought to be used for an unauthorized charge so it was blocked. On that same day, Ms. [redacted] was able to get a new card attached to the account at a NetSpend distributor and she gained access to her funds. We also rushed delivered a new personalized card to her address at no cost. NetSpend regrets any inconvenience Ms. [redacted] experienced due to the blocked card. 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] concerning a NetSpend Prepaid VISA card he purchased.   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.  On the front of the card packaging, underneath the price, we notify the purchaser that this is not a gift card.    On December 24, 2016, Mr. [redacted] attempted to get a refund for the new NetSpend card account he purchased. Mr. [redacted] did not supply complete identity information so we could not automatically verify the account and activate the card account.  We requested Mr. [redacted] to provide copies of his identification documents to verify his identity in order to approve the account.  Mr. [redacted] did not feel comfortable providing his identity.   A member of our Corporate Response Team spoke with Mr. [redacted] on December 28, and he informed us that he does not want a prepaid debit card account and thought he was purchasing a gift card.  We refunded the cost for the card purchase and requested a check be sent to his confirmed address.  He will receive a check for the remaining funds within ten 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

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.  However, I am still waiting for further notification as to if the cheque has actually been sent to the new confirmed address. 
Regards,
[redacted]