Realcor Developments Ltd.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Mr. [redacted] went above and beyond to make sure that everything was taken care of. He listened and asked questions to figure out why this happened rather than just correct and move on. 
Regards,
[redacted]

Monday, November 23, 2015To Whom It May Concern:We received
complaint # [redacted] filed with your
office by [redacted] concerning a rejected
ACH debit from her account.  She’s
requesting to be reimbursed for late fees and return check fees associated with
her declined payment....

  For ACH (Automated Clearing House) deposits and
debits, the name must match a cardholder on the account in order to be
processed.  When Ms. [redacted] attempted to
pay her rent by ACH debit, the payment was rejected due to the name not
matching the account.   On November 5, 2015, [redacted] attempted to
debit Ms. [redacted]’s account by way of an ACH debit.  The request included an amount to debit, a
name that did not match one listed on the account, and a settlement date for
the completion on the transaction.  Our
Electronic Funds Transfer Department reviewed the request and rejected it in
accordance with the NACHA (National Automated Clearing House Association) rules
on November 5th.  Ms. [redacted] later
added the secondary cardholder to her account on November 18th.  We reached out to Ms. [redacted] on November 23rd by telephone and email.  Unfortunately,
we have not had the opportunity to speak with her.  We will address her concerns once she returns
our call.  NetSpend regrets the
inconvenience that Ms. [redacted] experienced with the use of her card /
account.  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 card he purchased but could not activate.  He’s requesting a full refund for the card purchase.  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, 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.  In addition we inform the customer on the front of the package that this is not a Gift Card.  We apologize if [redacted] was not aware of the information that is written on the package. The card fees and other useful information pertaining to the card can be found on the website, www.netspend.com. On January 25, 2016, we reached out to [redacted] by telephone and email.  Unfortunately we have not had the opportunity to speak with him, but will assist with his concerns when he returns our call.  NetSpend regrets the inconvenience that [redacted] has 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 Team NetSpend A TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claim.On February 3, 2016, Ms. [redacted] contacted us to dispute an authorized transaction that posted to her account. On February 4th, we issued a provisional credit to Ms. [redacted]’s account...

while her claim was under investigation.  We concluded our investigation on March 25 and no credits were issued because we were unable to identify that an error occurred.  The merchant provided documents to validate the transaction was authorized by Ms. [redacted].  The provisional credit that was previously applied was reversed from Ms. [redacted]’s account. We have mailed the documentation used during our investigation to Ms. [redacted] on April 22. We have provided Ms. [redacted] with our contact information should she have any additional questions or concerns.    Thank you,
[redacted]
[redacted]NetSpend A TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Mr. [redacted] mentions disputing transactions on his account that resulted in an unfavorable conclusion for the dispute claim. He’s requesting to be reimbursed for the disputed amount. On August 4, 2015,...

Mr. [redacted] disputed two over the counter cash withdrawals at Chase Bank and two ATM transactions. We informed him that an update would be provided within ten business days, August 18th. On the tenth business day, we closed the claim finding no error occurred on the transactions that were disputed. We have mailed Mr. [redacted] a disputes closure letter that concluded the decision of his disputes claim. We also sent him the supporting documentation detailing how his claim decision was reached. NetSpend regrets any inconvenience that Mr. [redacted] experienced as a result of the disputes claim decision. 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: Thank you for forwarding Ms. [redacted]’s complaint to us. As you requested, we addressed this matter directly with Ms. [redacted]’s on September 21, 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]Customer Experience Analyst Netspend, a TSYS Company

Complaint: [redacted]
I am rejecting this response because:Netspend has still not done anything about it they keep telling me they won't do anything about it to contact the merchants but it has been determined that it is fraudulent activity on my account it has been reported to the police the federal government have a case number it's just very stressful I'm not be able to pay bills I'm behind about to get my cell phone turned off its going to cost me $50 and turn back on. They keep saying that its my problem because it's Bill Pay I've never use their bill pay I don't even know how to use there bill pay
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. So long as the card is received by nov 06 as promised.
Regards,
[redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a direct deposit she has not received. On June 9, 2016, we spoke with Ms. [redacted] to address the concerns about her direct deposit. We confirmed that she has not received a direct deposit from...

her employer since January 15. We explained the ACH (Automated Clearing House) deposit process and advised that we post ACH deposits to our cardholder’s account within an hour of receiving the funds from the sender.We recommended that Ms. [redacted] contact the sender of her deposit to research what occurred. We will make Ms. [redacted]’s deposit available as soon as it is sent over to 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

Tuesday, September 6, 2016   To Whom It May Concern:   We received complaint # [redacted] filed with your office by [redacted] concerning the delivery of his card and direct deposit.    Our records show Mr. [redacted] contacted our Customer Service Department on multiple occasions...

beginning August 3, 2016 to order replacement cards. Mr. [redacted] requested that we update his address on file and our records indicate that each card requested was sent to a different address. We provided Mr. [redacted] with tracking numbers for each of the expedited card orders. Our systems also shows card ending [redacted] was activated on August 30, with transactions proceeding; however, it was blocked as stolen in our system on August 31.   Our records indicate that Mr. [redacted] contacted us to close his account multiple times between May and August. Mr. [redacted] contacted us on September 5, requesting to reopen his account and he ordered a card to be sent to him with a normal delivery timeframe of 7-10 business days. Additionally, we show Mr. Molina’s direct deposits posted to his account successfully.   A member of our Corporate Response Team attempted to reach out to Mr. [redacted] by phone and email, but unfortunately have not had the opportunity to speak with him.   We have provided Mr. [redacted] with our contact information and request that he reach out to us to further assist him with his account.        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]. Mr. [redacted] states that he disputed a transaction with a restaurant after receiving the wrong order, and was informed that his disputes claim would take 45 – 90 days to investigate. He’s requesting to...

be reimbursed for the disputed amount. On July 11, 2015, Mr. [redacted] disputed a transaction with Jin Sha Sushi for $47.25. We informed him that we would update the disputes claim within ten business days, July 24th. After ten business days, our Disputes Department provided Mr. [redacted] with an update that his claim was still being investigated, and would be resolved by August 25th at the latest. The claim was resolved and paid out to Mr. [redacted] on August 12th. NetSpend understands the disputes process can be time consuming. We appreciate Mr. [redacted]’s patience while we worked to retrieve his funds. 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

Tuesday, October 31, 2017 To Whom It May Concern: Thank you for forwarding Ms. [redacted]’s complaint [redacted] to us. As you requested, we addressed this matter directly with Ms. [redacted] on October 30, 2017 by way of telephone. The email correspondence we sent on October 31, 2017 outlined our...

actions to resolve her complaint. 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] concerning the inconvenience that she’s experiencing with the disputes claim timeframe. She’s requesting a refund for the disputed transaction in a timely manner.  On December 29, 2015, Ms. [redacted]...

disputed a reoccurring payment to the merchant, [redacted] Houston TX.  When she spoke with customer service, she was informed that an update would be provided within 10 business days. NetSpend is in accordance with Regulation E Guidelines for Electronic Funds Transfers when resolving disputes claims. It can take up to 10 business days for an initial review of the claim. However, if more time is needed to review the claim or provide the merchant with reasonable time to respond to our claim, it could be extended to 45 days to finalize. Our Disputes Department will have an update for Ms. [redacted] by January 13, 2016. If more time is needed to research her claim, our Disputes Department will determine if she’s eligible for a temporary credit. We reached out to Ms. [redacted] on January 11th by telephone and email.  We will address her concerns when she returns our call.  NetSpend understands that the disputes process is long, and we appreciate Ms. [redacted]’s patience as we attempt to retrieve her funds. We have provided her with our contact information should she have any additional questions or concerns.  Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Friday,
November 6, 2015To Whom It
May Concern:We received
complaint # [redacted] filed with your office by [redacted] concerning funds
that were reversed from her account for a previous dispute.  She requests her money to be returned
immediately. On
September 27th, 2015, Ms. [redacted]...

disputed two ATM transactions totaling
$405.00.  We informed her that we would
give an update on her claim within ten business days, October 12th.  On October 9th, we issued a provisional
credit of $405.00 while her claim was investigated.  We sent her a secure message through the
website advising that if we determine no error occurred on the claim, the
credit will be reversed.  The disputes
claim was closed with no error found on October 27th.  On that day, we reversed the provisional
credit and a disputes closure letter was mailed to Ms. [redacted].  NetSpend
regrets the disputes claim resolution was not in Ms. [redacted]’s favor.  She has been given my contact information
should she have any further 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]. Mrs. [redacted] states that she is missing 15 – 20 thousand dollars over the last two months from her account. She wants a detailed breakdown of the transactions on her account. On July 6, 2105 we spoke...

with Mrs. [redacted] and her husband. We informed them that the last five months of transaction history have been mailed to their address. We further explained that the same transaction history is available online at www.netspend.com. From the website, they can identify each transaction and dispute any charge that is unauthorized by them. They will dispute any unrecognized transactions and contact me if they need assistance. NetSpend regrets the inconvenience that Mrs. [redacted] and her husband experienced while trying to review their transactions. We have provided them our contact information should they have any additional questions or concerns. Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

Wednesday, March 14, 2018 To Whom It May Concern: Thank you for forwarding Mr. [redacted]’ additional comments regarding complaint # [redacted] to us. We attempted to reach Mr. [redacted] on March 9, 12, 13, and 14, 2018, by telephone, but we were unable to speak with him. We emailed Mr. [redacted] to provide additional information regarding his dispute claims and Card Account.  We mailed Mr. [redacted] a follow up letter with the same information.  Mr. [redacted]’ case has been assigned to Corporate Response Team Analyst, [redacted].  Should Mr. [redacted] contact our Customer Service Department, we have left notes on his account for him to be connected with [redacted] to further assist him with this matter. Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern. Thank you,
[redacted]Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning declined transactions that occurred on his card.  During routine monitoring, we detected suspicious transaction activity and placed a temporary restriction on Mr. [redacted] account on October...

12, 2016.  Mr. [redacted] contacted us later that day to confirm that the transaction on his account was not authorized. The restriction was removed on October 13. Mr. [redacted] spoke with a customer service representative and requested a new card be expedited to his P.O. Box on file. On October 14, another temporary block was placed on Mr. [redacted] account due to our system that is used to confirm cardholder identity, showed Mr. [redacted] social security number not matching to him. We requested Mr. [redacted] send us identity documents, so we could verify his identity and remove the temporary block on his account. We received Mr. [redacted] documents and removed the block on October 15.On October 14, Mr. [redacted] also reported unauthorized transactions that posted to his account from VICTORIA’S SECRET. The transactions had occurred on the card that we blocked on October 12, ending 9607. We promptly opened a dispute claim and began our investigation. We also informed Mr. [redacted] of the investigation timeframe afforded under Regulation E.  A member of our Corporate Response Team spoke to Mr. [redacted] on October 17. We explained that we are unable to expedite cards to a P.O. Box. We ordered a second card to be expedited to his home address at no charge. We advised Mr. [redacted] that we detected suspicious activity with the $4.11 transaction; however, the VICTORIA’S SECRET transactions weren’t flagged as suspicious. On October 18, we concluded our investigation of Mr. [redacted] dispute claim and we issued full reimbursement to his account for the disputed transactions.  A letter explaining the details of our investigation was mailed to Mr. [redacted] address on file and should be received within 10 business days. 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 apologize for the misinformation Mr. [redacted] received from our Customer Service Department regarding his replacement card delivery timeframe and the VICTORIA’S SECRET transactions.  We have reported this incident to the management staff of the customer service agents he spoke with. As a courtesy, we also issued credit to Mr. [redacted] account due to the misinformation that led to a delay in him receiving an expedited card.We 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

Complaint: [redacted]
I am rejecting this response because: The way I was treated by Netspends customer service was inexcusable and there has been no indication that anything will be done about this. My funds may have been released back to me but that still does not resolve the treatment issues.
Regards,
[redacted]

To Whom It May Concern:   We received complaint # [redacted] filed with your office by [redacted] concerning his refund check.   On September 7, 2016, Mr. [redacted] requested to close his account and have a check for the remaining balance mailed to his address on file.  We informed...

Mr. [redacted] that checks are typically delivered within 10 business days. The refund check was returned to us as undeliverable, by the United States Postal Service, on October 10, and the funds were credited back to the account.   In response to this communication, a member of our Corporate Response Team spoke with Mr. [redacted] on October 31, confirmed with him that his address was correct, and initiated the process to mail him a new check He should receive the new 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]. Mr. [redacted] states that he filed a disputes claim on an erroneous charge but he did not get his money back. He wants a refund immediately and compensation because his vacation was ruined. On June 11, 2015...

Sony Play Station charged Mr. [redacted]’s card $99.96. Sony had his card number from earlier transactions. He called to get the pending funds released back to the card balance. We explained that he needed to call Sony first to cancel the transaction. Once we received confirmation from the merchant that they would not be collecting, we could release the funds back to his card balance. Sony collected the charge later that day. Mr. [redacted] disputed the Sony Play Station transaction on June 12th. We informed him that we will update the disputes claim on June 26th. The provisional credit decision will be made on that day. NetSpend regrets the inconvenience that Mr. [redacted] experienced with the charge on his 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