Realcor Developments Ltd.

Complaint: [redacted]
I am rejecting this response because: I was never told I will be giving back any fees or the money that was taken. I was only told that I will find out wether or not I get my money back
Regards,
[redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted].  Mr. [redacted] states that when he attempted to redeem the reload packs that he purchased, the funds were already loaded onto another card.  He’s requesting to be refunded the $110.00 that...

he loaded onto the Reload Packs.  Reload Packs are considered same as cash.  It can only be redeemed to a NetSpend card with the numbers underneath the scratch off section.  In order for NetSpend to research the Reload Pack, we will need a copy of the front and back of the card.  We also need a copy of the purchase receipts to confirm Mr. [redacted]’s ownership of the packs in question.  On July 17, 2015, we attempted to reach Mr. [redacted] by telephone and email  and will await his response.NetSpend regrets the inconvenience that Mr. [redacted] experienced while redeeming the Reload Packs.  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
an overdraft fee that he’s requesting to be reimbursed for.  On October 21, 2015, we spoke with Mr.
[redacted] concerning how the Overdraft Protection program works, and apologized
for...

the unresponsive representative that he spoke with. We were able to address
Mr. [redacted]’s concerns.  NetSpend
regrets any inconvenience that Mr. [redacted] experienced with the overdraft fee that
occurred on his account. 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

Tuesday, September 20, 2016 To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the access to her account funds. On September 2, 2016, some retail stores experienced a problem loading the NetSpend card.  The system communication...

issue was resolved the next day and our customers were able to use those locations to add money to their cards.  There were other reload locations that did not experience an issue loading cards during this timeframe.  Ms. [redacted] contacted Customer Service on September 6 to inform us she could not load her card.  We acknowledged the earlier outage at some locations and prompted her to try another location.  Ms. [redacted] mentioned purchasing a new card, but she has no other accounts through NetSpend.  During routine monitoring, we detected suspicious transaction activity and placed a temporary block on Ms. [redacted]’s account on September 7.  Ms. [redacted] contacted us later that day to confirm that the card transactions were not authorized by her. Customer Service informed her that none of the transactions were deducted from her available balance.  A member of our Corporate Customer Response Team spoke with Ms. [redacted] on September 20 about her blocked account.  She no longer wanted to use the card and requested to close the account.  We reimbursed the fees charged to her account and issued the credit mentioned by one of the representatives she spoke with.  Ms. [redacted] will receive a check for the account balance within ten 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.  Ms. [redacted] has been provided with our contact information should she have any additional questions or concerns.  Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

Friday, May 29, 2015To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted].  Ms. [redacted] states that her card was used for unauthorized charges that she disputed.  She wants the refund immediately.  On May 25, 2015, Ms. [redacted] disputed a charge from...

Grubbhub for $39.20.  We informed her that we would issue her an update on the claim within ten business days, June 8th.  At that time, the provisional credit decision will be made for her disputes claim.  NetSpend understands the disputes process can be a lengthy one.  We appreciate Ms. [redacted]’ patience while we attempt to retrieve her funds. Should she have any additional questions, she can reach us at the toll free number, [redacted]  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 his account. Mr. [redacted] expressed his dissatisfaction regarding the length of time he was prevented access to his funds.Our Risk Management Team regularly monitors cardholder accounts...

in order to provide a safe and secure product for all of our cardholders. On February 12th, a block was placed on Mr. [redacted] account with the request that he send us documents to verify his identity. We received these documents and the block was removed on February 14th. We spoke with Mr. [redacted] on February 16th to address his concerns.  NetSpend regrets the inconvenience that Mr. [redacted] experienced while waiting to have access to his funds. We have provided his 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, June 6, 2017To Whom It May Concern:Thank you for forwarding Mr. [redacted]’ additional comments on complaint # [redacted] to us.  We were unable to locate his account or research the complaint using the information provided. We attempted to reach Mr. [redacted] by phone and email on May 22, May 30, June 2, and June 6, 2017, but unfortunately, were unable to speak with Mr. [redacted]. His case has been assigned to a Corporate Customer Response Team Analyst, [redacted]. [redacted] will attempt to reach Mr. [redacted] by postal mail.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]. Ms. [redacted] states that she disputed transactions on her account but has not received the money. She wants the money credited to her account. On July 18, 2015, Ms. [redacted] called to report unauthorized...

charges on her card. We informed her the claim would receive an update within ten business days, August 3rd. We paid out the disputes claim on July 29th. The full credit and transaction fees were refunded to her card. NetSpend understands the disputes process is lengthy. We appreciate Ms. [redacted]’s patience as we attempt to retrieve her funds. If she has any additional questions or concerns, she can reach us at [redacted] 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‘s receiving text messages from NetSpend and is requesting his phone number to be removed from our system. On July 27, 2015, we attempted to contact Mr. [redacted] by...

telephone and email, and left him a voicemail advising that his phone number wasn’t located in our system. We also tried locating his e-mail, but was unable to find an account associated with his information. When he returns our call, we will obtain additional information so that we can further research where the daily messages are coming from. NetSpend regrets any inconvenience Mr. [redacted] experienced as a result of the text messages that he’s receiving. 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

Monday, August 14, 2017 To Whom It May Concern: Thank you for forwarding Mr. [redacted] complaint # [redacted] to us. Netspend displays the most common fees while using the card on the outside of the packaging visable to consumers before the purchase of the product. We also include the full...

card terms and fees on the inside of the card packaging for the cardholder’s review. As you requested we addressed this matter directly with Mr. [redacted] by telephone on August 14, 2017. We emailed Mr. [redacted] with the details of actions taken on his account to resolve his concerns on August 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

Tuesday, July 18, 2017To Whom It May Concern: Thank you for forwarding Ms. [redacted] complaint to us. As stated in Ms. [redacted] PayPal User Agreement, limits may be set on withdrawals.  After review, we have determined that her recent Instant Transfer was not successful because she had...

exceeded her limit.As you requested, we addressed this matter directly with Ms. [redacted] on July 18, 2017 by telephone. We provided her with further insight on the PayPal Prepaid Instant Transfer process. 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 additional comments regarding complaint # [redacted] filed with your office by [redacted] concerning a NetSpend Prepaid MasterCard he received in the mail.   On March 10, 2017, a member from our Corporate Office reached out to Mr. [redacted] to provide the source details from our Marketing Department as he requested.  We emailed Mr. [redacted] the information on how we received his name and address.  Mr. [redacted] confirmed he received our correspondence. He also stated he will contact his internet service provider and the merchant’s website that provided us with his information.    We have provided Mr. [redacted] with our contact information should he have any additional questions or concerns.    Thank you, [redacted] Senior Customer Experience Specialist Netspend, a TSYS Company

To Whom
It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a block that was
placed on her account. She’s requesting for her account to be unblocked.   Our Fraud Prevention Team regularly
monitors account activity in order to provide a...

safe and secure product for all
of our cardholders. On November 25, 2015, a systemic block was placed on Ms.
[redacted]’s account after she updated sensitive account information, but our Fraud
Prevention Team was closed for the Thanksgiving Day holiday. Our Fraud Prevention
Team reviewed Mrs. [redacted]’s account on November 27th and removed the
block.    On December 2nd, we spoke
with Ms. [redacted] and addressed her concerns.  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

Friday, March 23, 2018To Whom It May Concern:Thank you for forwarding Ms. [redacted] complaint to us. Due to risk factors identified with Ms. [redacted] Card Account, the decision was made to close her Card Account and we are no longer able to offer her Netspend services. A refund check will be...

mailed to her address on file with a tracking number to make sure Ms. [redacted] receives her funds.  This information will be available on March 26.As you requested, we addressed this matter directly with Ms. [redacted] on March 21, 2018 by way of telephone. We provided her with further insight on the refund process. 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] concerning his dispute claim. We appreciate Mr. [redacted] additional comments. After our reinvestigation of Mr. [redacted] dispute claim, we did not find that an error occurred.  We reached out to Mr. [redacted] on July 21 to discuss the results of his dispute claim, unfortunately we did not have the opportunity to speak with him.  On July 22, a letter detailing the results of our investigation was mailed to his address on file and should be received within 10 business days. We also provided the investigation documents to Mr. [redacted] email address.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

To Whom It May Concern:   Thank you for forwarding Ms. [redacted]’s 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 Ms. [redacted]’s dispute claim and complaint that provisional credit was reversed. After review, we’ve determined that her claim was handled correctly. We received supporting documentation from one of the merchant’s involved in Ms. [redacted]’s dispute claim that validated the transaction.  On August 29, 2017 the results of our investigation was emailed to Ms. [redacted]. We attempted to reach Ms. [redacted] on August 28, 29, and 30, 2017 via telephone but unfortunately, we were unable to speak with her. We emailed Ms. [redacted] on September 07, and provided her with further insight on the dispute process and outlined our actions to resolve her complaint. We also mailed Ms. [redacted] a detailed letter to the address on file.  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] Customer Experience Specialist Netspend, 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 a replacement card which prevents her from accessing her funds. She wants a new card immediately. On July 22, 2015, Ms. [redacted] marked three of her cards as...

"lost" through our online account center at www.netspend.com. She did not have sufficient funds on the account to order a replacement card. Our system informed her that the card would be ordered when the account was funded. Ms. [redacted]’s account was funded by direct deposit on July 30th, and a replacement card was ordered. The standard delivery timeframe for a card is 7 – 10 business days. Ms. [redacted]’s replacement card was received and activated on August 5th. NetSpend regrets the inconvenience that Ms. [redacted] experienced while waiting on her replacement 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 his dispute claim.    On March 17, 2017, Mr. [redacted] contacted us to report several unauthorized transactions that posted on his Card Account.  We immediately...

blocked the card ending with [redacted] to prevent any further unauthorized use and we ordered him a replacement card.  We promptly opened a dispute claim [redacted] and began our investigation.  We also informed Mr. [redacted] of the investigation timeframe afforded under Regulation E.    We concluded our investigation on Mr. [redacted] dispute claim [redacted] on March 31, 2017, and no credit was issued because we did not find that an error occurred.  We have reason to believe that the transactions were authorized and that Mr. [redacted] benefited from the transactions.  A letter detailing the results of the investigation was mailed to Mr. [redacted] address on file.   A member of our Corporate Office reached out to Mr. [redacted] on April 7, to explain the results of his dispute claim.  We did not have an opportunity so speak with him.  We re-reviewed the investigation documents sent to Mr. [redacted] for his dispute claim [redacted], and based on our findings, the claim was handled appropriately.   Mr. [redacted] has been provided with our direct contact information should he have any additional questions concerning this matter.    Thank you,   [redacted] Customer Experience Specialist Netspend, a TSYS Company

Complaint: [redacted]
I am rejecting this response. The letter below explains why. August 24, 2015From:[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
                                                                           [redacted]
To Whom It May Concern, I am sending this letter to reject your response to my Revdex.com claim. I’d like to voice my disappointment with the service I’ve received, and request that you provide me with all of the evidence (not opinion) that was found during your investigation, and led the denial my claim and closing of my account on July 8th.  I would also like any/all other information or documents you may have in my file, including evidence from my previous disputes. To close my account without consulting me first, after almost 2 years of constant use and no issues is outrageous, and clearly in bad faith. To steal my money on top of it is criminal. I have won every dispute I’ve had and this should have been no different. You have ignored numerous laws and policies, and have not shown any real evidence to supports your position. I demand that you immediately issue a refund for the amount detailed below, before any further legal action is taken. The FDIC promises that, “If someone makes unauthorized transactions with your debit card, but your card is not lost, you are not liable for those transactions if you report them within 60 days of your statement being sent to you”. I have followed the law exactly as it is written and played by the rules while filling this dispute, as I have with all other disputes in the past. To avoid any further legal action, you must do the same. The one piece of documentation I did receive on August 23rd did not include copies of evidence relied upon, or any documents at all for that matter, except for one sheet of paper, that only stated the opinions of your company. In order to deny my or anyone else’s claim, there is a certain burden of proof that you must meet, and that is usually done through the examination of facts. The statements you make in that letter however are not facts, and have no evidence to support them, and are therefore insufficient. Opinion cannot be confused for statements of fact, and I will be happy to debate each opinion you have listed in more detail than I already have below, if you would like. Here is me response to those opinions: a) The PIN number was not changed prior to unauthorized transactions taking place: To say the pin was not changed is not a valid argument. First of all, it was a new card, and I am not aware of any law that requires any consumer to regularly change the pin on their PIN weekly, bi weekly, or even yearly. Regardless, and is irrelevant. It is not as if I could have known my card would be stolen and used. Had I been aware of that, I could have prevented it and we would not be having this discussion.b) Disputing same merchants/atms as on other claims on account: This is something that upsets me very much about this case, because in a discussion with customer service prior to these charges being made, I had asked that a stop payment be set forth for certain merchants that were listed on a previous dispute. I assume it was the same person who had stolen my card the last time that did it this time too, and the fact that it was used at the same merchants is evidence that points to the fact that it most likely was. Regardless, Netspend’s Customer Service Representatives failure place the stops on the account is responsible for some charges in this dispute, yet I am being punished for it. c) [redacted] was checked during the timeframe that the transactions took place: This is not valid proof that the charges are not fraudulent. All ATM]’s ask you if you’d like to view the b[redacted]ce before you make your withdrawal, and it is not impossible that someone could have hacked my phone, temporarily had possession of my phone, had possession of my laptop computer, tablet, etc. to access personal files of mine that contain the information needed in order to check the b[redacted]ce. It also is not so silly to believe that someone would check the b[redacted]ce first given that option, either out of curiosity, or to ensure they didn’t withdrawal or purchase anything that would not be approved. d) Transactions take place in same city that card was set up: As I stated in my original claim, I believe an old “friend” took the card and used it, then returned it when they were finished. I would not expect them to fly across the globe, just for the sake of using my card. There is no fact in that statement, and it is irrelevant. e) Card holder would receive funds from one claim and then file another: This calls for speculation and is a matter of opinion. It also shows bias, and is downright offensive, as well as misleading. It indicates that a decision is already made in regards to my innocence, despite having no evidence to support it. It is defamation of character and I will not tolerate such offensive behavior. I believe it was that idea alone that led to your decision to deny my claim and close my account. I have requested written proof along with a claimed error or request for clarification in accordance with the FCBA, and you have failed to provide adequate documentation for such items. You are required under the same FCBA to resolve a dispute within 90 c[redacted]der day, and this matter is still not resolved. The matter would have had to have been resolved on 8/21/15 to meet this deadline. Furthermore, the FBCA goes on to state that, “The creditor may not take any legal or other action to collect the disputed amount and related charges (including finance charges) during the investigation. While your account can't be closed or restricted, the disputed amount can be applied against you.” If would please let know the date in which your investigation ended, I would appreciate that. My account was closed on July 08th,, yet I only finally received documentation about it on August 23rd. It is my right that I “promptly [receive] credit or refund overpayments and other amounts owed to [my] account when [my] account is owed more than one dollar. If [I] prefer a refund, it must be sent within seven business days after the creditor receives [my] written request.” Again, this matter has stretched over 3 months now, and you have done nothing except breach contract, violate my rights, and violate both state and federal law. Here is what I am requesting to resolve this matter:1)    The full amount of the dispute claim refunded to me immediately. (I am locked out of my account, but claim was approximately $950-$1000 if I remember right.)                and2)    Compensation for the metal distress, late fee’s, and for the hardships I’ve endured as a result of the neglect, and disregard your company has shown. The total sum of these charges shall be two times the amount of the original claim, and is to be added alongside with the original amount. The total principal amount shall then equal no less than three times the amount of the original dispute. This is rightfully owed and was calculated to cover the unauthorized charges made to the account, plus emotional damages caused when company unlawfully stripped of my consumer rights, closed my account without my knowledge, and for the hardships and stress as listed above.  I respectfully ask that you immediately remove my name from any list(s) that bans or limits my participation in opening an account with Netspend again in the future. Although it is not likely I will be doing so, it is my right, as I am innocent of the accusations you have placed upon me. Be advised that this notice is being sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) “that your claim is disputed and validation is requested”This is NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I request that your office provide me with each and every piece of competent evidence that you have found during your investigation, and that you used as a factor in making your final decision in this matter. This request is not subject or limited to documents and information pertaining to this dispute only, and is made legally and lawfully.I do not appreciate your company treating me like a criminal, and expecting me to not stand up for myself.Please provide me with the following:· An Explanation of  the investigation process, including a detailed description of steps that were taken while forming your decision regarding error/non error.· Copies of any/all documents/evidence used to form your final conclusions of fact for all  claims made within the last two years· Provide me with your license numbers and Registered AgentIf you choose to again ignore my requests, and continue to waste all of our time by stringing me along with more nonsense, false accusations, and insults, I will not hesitate in bringing legal action against you for the following:1)    Violation of the Fair Credit Reporting Act2)    Violation of the Fair Debt Collection Practices Act3)    Defamation of Character4)    Violation of the Unfair Settlement Practices5)    Violations of the Fair Credit Billing Act. If your offices are able to provide the proper documentation as requested, and does not immediately issue a return for the amount requested, I will require at least 30 days to seek and file a claim against you. I will also contact the State Attorney General and explain to them the laws you have ignored, and inform them of my experience with your company that led to filing a claim. During this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. This is an attempt to correct your records, and to collect money owed to me from your company. Any information obtained shall be used for that purpose. Best Regards,[redacted]