Realcor Developments Ltd.

Wednesday, March 29, 2017To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a pending transaction on his Card Account. On March 1, 2017, Mr. [redacted] contacted us to report that an authorization from Foot Locker was cancelled.  We...

requested Mr. [redacted] to provide us with documentation from the merchant that would confirm they do not intend on collecting the funds, in order to release the funds back into his available balance.  If a cardholder requests a release before we receive the merchant’s settlement request, we require written confirmation from the merchant. This requested confirmation is 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. A member from our Corporate Office reached out to Mr. [redacted] on March 27, to explain the pending transaction and automatic release timeframe.  As a courtesy, the pending transaction was released back into his available Card Account balance on March 26.  We emailed him information about the released transaction and advised that our release is not a stop payment or cancellation of the original transaction.  We apologize for the information Mr. [redacted] received from our Customer Service Department.  We have reported this incident to the management staff of the customer service agents he spoke with to ensure that they receive appropriate coaching on our policies and procedures. Mr. [redacted] has been provided with our direct contact information should he have any additional questions concerning this matter.  Thank you,[redacted]Senior Customer Experience SpecialistNetspend, a TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted].  Ms. [redacted] states that she provided the appropriate documents to be refunded for a flight reservation that was cancelled. She’s requesting to be reimbursed immediately.  On July 26, 2015,...

Copaair.com charged Ms. [redacted]’s card $1,193.82.  She spoke with customer service and was informed that she needed to send in confirmation from the merchant, advising that the transaction was cancelled or voided. The documents that Ms. [redacted] sent were not accepted to  release the pending charge.  We released the funds back to her account on August 7th as a courtesy.  Our release is not a void or cancel of the original transaction.  If Copaair.com collects the funds later, Ms. [redacted] will have to either work with the merchant to retrieve her funds, or file a dispute against the transaction.  NetSpend regrets the inconvenience that Ms. [redacted] experienced while attempting to have her pending funds released back into her account.  She has been given our contact information should she have any further 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]

To Whom
It May Concern:We received complaint # 1[redacted] filed with your office by [redacted] concerning a card replacement that was
blocked due to a security breech from a merchant.  He’s requesting a to receive his replacement card
to access the funds on his account.  On
September...

16, 2014, Our Risk Management Team ordered a replacement card for Mr.
[redacted] since one of his cards was used at [redacted] during a time period
that their company experienced a possible security breech. The account was
notated that once the new card was activated; the effected card will be
blocked.  A follow up letter was sent to
notify Mr. [redacted] of the [redacted] breech, and request to block his card.  Mr. [redacted] contacted our customer service
on October27, 2015 and we expedited another replacement card since he confirmed
that the initial card wasn’t received.  The new card was received and activated on October 29th.  NetSpend
regrets the inconvenience that Mr. [redacted] experienced with his card
replacement.  We hope that he appreciates
the efforts to protect his funds from possible fraudulent attacks.  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

Complaint: [redacted]
I am rejecting this response because: netSpend has not satisfied in writing all six of my requests. what follows are the six requests I originally made, as well as which have been met and which haven't. I have included additional comment, where I judged necessary.(1) netSpend officials have not confirmed that the company issued me a credit without my permission. it matters little to me the legality of the company's marketing practices. never have I been sent a credit card from any agency ready for activation without making the application and request myself. netSpend's behavior this way is predatory, insofar as unwitting consumers, who may have poor credit histories and/or scores, may find a credit card from netSpend in their mail and, without first performing due diligence to ascertain why, activate the card and deposit money to netSpend in good faith. the federal trade commission has charged in numerous instances netSpend with misrepresenting itself to consumers defrauding them of, in individual cases, hundreds and thousands of dollars. (2) confirms that it received my complaint filed through the texas Revdex.com. I am satisfied with the company having met this request.(3) does not confirm that it received my telephone request to opt out of the company's unsolicited offer of a credit card, even though the e-mail message from the senior analyst for customer experience, [redacted], indicates that the credit card issued to me has been blocked and my name removed from the company's mailing list.(4) does not confirm that ALL (!) personal information the company has on file for me has been removed from its databases and promises never to share my personal information with any third parties.(5) confirms that it will cease and desist from issuing to me in future any offers of any kind without my permission. netSpend has satisfied this request.(6) does not acknowledge that the company's behavior is arguably predatory, whether company official agree or not.when each of my six requests are satisfied, I will consider my complaint resolved.[redacted] 
[redacted]

Wednesday, February 7, 2018 To Whom It May Concern: Thank you for forwarding Mr [redacted] complaint [redacted] to us. 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 card packaging also contains a disclaimer regarding the age requirement to activate a card. . As you requested, we addressed this matter directly with Mr. [redacted] on February 7, 2018 by telephone. We emailed Mr. [redacted] the details outlining our actions to resolve his 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 additional comments regarding complaint # [redacted] filed with your office by [redacted] concerning her dispute claim and Card Account closure.    A member of our Corporate Office reached out to Ms. [redacted] on March 20, to provide further insight about her Card Account closure.  We notified her through email that a check for the remaining Card Account funds was mailed to the address on file on March 10.    During routine monitoring, our Risk Management Team closed Ms. [redacted]’s account on March 7, 2017, because we identified risk factors associated with her account activity. These risk factors are not shared with consumers for security reasons.    Ms. [redacted] has been provided with our direct contact information should she have any additional questions concerning this matter.    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 a replacement card she did not receive.    On January 21, 2017, Ms. [redacted] ordered a NetSpend card account thought our website. The card was shipped with standard 7 –...

10 business day delivery timeframe.  Ms. [redacted] contacted our Customer Service Department on January 24, to inquire about the card delivery timeframe. She requested an expedited card to be delivered to her address because she already submitted her direct deposit information to her employer.  We informed her the tenth business day for her normal delivery card would be February 3.  Our agent informed Ms. [redacted] of the $25 fee to expedite another card.  The expedited card was mailed to her address on file. The expedited card was returned to NetSpend as undeliverable on January 30.  Later that same day, Ms. [redacted] direct deposit posted from her employer and went into pending status.   A member of our Corporate Office spoke with Ms. [redacted] on January 30 regarding her account. Our records indicate Ms. [redacted] received and activated the card that was ordered online.  We informed Ms. [redacted] the expedited card was returned to us as undeliverable.  As a courtesy, we refunded the cost to expedite the card delivery.      We have provider Ms. [redacted] with our contact information should she 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 her disputes claim. On April 5, 2016, Ms. [redacted] disputed a merchant transaction that posted to her account. We promptly opened a dispute claim [redacted] and began our investigation. We also...

informed Ms. [redacted] of the investigation timeframes afforded under Regulation E. We completed our initial investigation of claim [redacted] on April 19 and advised that a provisional credit was not available for the dispute claim type. The claim is scheduled to be finalized on July 19. The results of the investigation will be sent to Ms. [redacted] in writing within 3 business days of completing our investigation. Ms. [redacted] disputed additional unauthorized transactions on June 9 that were not included in her first claim. We promptly opened a second dispute claim [redacted] and began another investigation. We concluded the initial investigation of this claim on June 23 and advised that a provisional credit was not available for the dispute claim type. This claim is scheduled to be finalized on August 8. Our Risk Management Team closed Ms. [redacted]’ account on June 23 due to risk factors that were identified during our investigation and she is no longer eligible for products managed by NetSpend. A refund check for any recovered funds from her disputes claims will be mailed to her address on file after the final dates mentioned above. Upon receiving her complaint, we reached out to Ms. [redacted], but unfortunately, we have not had the opportunity to speak with her. We emailed Ms. [redacted] the next update timeframe for her claims. NetSpend understands that the disputes process can be frustrating and we appreciate Ms. [redacted]’ patience as we attempt to retrieve her funds. 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 misinformation he received regarding his accounts.On June 29, 2016, Mr. [redacted] contacted our Customer Service Department to report that his card was misplaced.  Mr. [redacted] was advised that...

he could purchase a new temporary card on a new account and transfer his funds. Mr. [redacted] purchased the new card, but was then informed he would not be able to transfer the funds due to a transfer restriction on his accounts. A transfer restriction was placed on Mr. [redacted]’ account due to an unauthorized transfer of funds dispute claim that was opened in December 2014. The restriction is placed for the security and protection of Mr. [redacted]’ funds. We spoke with Mr. [redacted] on June 30 regarding his account. We apologized for the misinformation he received from our Customer Service Department. We have reported this incident to the management staff of the customer service agents he spoke with and we are also expediting Mr. [redacted] a replacement card to his address on file at no cost.   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

Complaint: [redacted]
I am rejecting this response because:
Revdex.com # [redacted]                                   ...⇄ 12/10/15Rejecting netspend decision on my disputed claims for
unauthorized transaction on my account. So netspend refunding the credit for their
mistake of not keeping my money save in there system.Please note that the letters to me and to reply to claims.
Both don’t show or high there decision for refund. And all so on 12/02 I call
netspend on there decision not to refund money. So at that time I requested
detail information on their decision and how they were able to place me in two
different city in so. California .and to give me a copy on the time of each transactions,
so I can see the the time frame on disputed transaction and my transaction I
made on those days. On 12/07 I received cardholder dispute notification on both
claims. Wish proof or support or identify their final diction. Nothing ……just
if any question call Custer service… and I have been calling and leaving
messages with [redacted] from netspend corporate Custer response team. Regarding
copies of their files with details to proof and show or support anything that
they have even work the case.Also there / bill campbell statement regarding dates on claims
received forgot to add my hand write statement of dispute and with any
paperwork. That netspend received on 11/23. Wish identify each disputed transactions
and the total amount with all other bank fees. Hand writes and dated with signaler
.they I email netspend. Wish show the error of netspend not questioning the
dispute transitions and amount. Wish show a big discipensce. I received NO commotion
on this. And pls note, I wasn’t a wear on errors on with transaction made on their
dispute list. On deadline for update, that time I was shocked on the claim. And
that’s how the second claim in play.So
as of today, I haven’t received any reply or paperwork on details requested. To
support netspend. Also in commutation with [redacted] Corporate Customer
Response Team. Who has advised me that netspend is re-investigating my claims. But
who really knows. I have requested that the investager whom handling im claim
would be in connect with me. Hasn’t netspend made money off me to give me, at
less bit of good custom service for having my account with them?So
I hope Revdex.com corp. can see the stone walling myths. That netspend jumps on to use.
Not sure why but I was a victim of identity theft that has broke my family and I
weeks before this holiday season. It’s so sad to see netspend to respond in
this way. At less investigate the claim thoroughly.  [redacted]

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 June 13, 2017 by way of telephone. Ms. [redacted] will receive the refund check within the next 5 -7 business days.  If Ms. Bell does not receive her...

refund check by June 27, we ask that she contact Corporate Customer Response Team Analyst, [redacted] for further assistance. 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

Monday, June 13, 2016   To Whom It May Concern:   We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claim.   On May 11, 2016, someone identifying themselves as Tierre [redacted], contacted us to transfer funds to another NetSpend account. ...

Ms. [redacted] contacted us later that day to report that the transfer was not authorized by her.  We immediately opened a dispute claim and began our investigation. A block was also placed on Ms. [redacted]’ account to prevent additional unauthorized activity.   On May 25, 2016 we concluded our investigation with no credit being issued to Ms. [redacted]’ account as we did not find that an error occurred.   On June 9, 2016 our Risk Management Team closed Ms. [redacted]’ account because they identified risk factors associated with her activity/information. These risk factors are not shared with consumers for security reasons. This also means that Ms. [redacted] is no longer eligible for products managed by NetSpend.   On June 21, 2016, after identifying additional information regarding Ms. [redacted]’s claim, we provided her with full reimbursement for the disputed transaction. In addition we applied a courtesy credit for the inconvenience she experienced.   Due to the possibility of identity theft, Ms. [redacted]’s account will remain closed. We will mail her a check for the remaining balance and she should receive it 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

Complaint: [redacted]
I am rejecting this response because: Iam still looking for some help.  I could not locate the receipt and was wondering what other options I would have.  I left a message for [redacted]  but I have not been contacted back.  I would be grateful to see if they would contact the store and look at the receipts and see if you will honor!  
Regards,
[redacted]

To Whom It May Concern:   We received complaint # [redacted] filed with your office by [redacted] concerning a pending transaction on his Card Account.   On March 15, 2017, we received an authorization request from the merchant, Home Depot, on Mr. [redacted] Card Account. He contacted...

us on that same day, and reported the transaction was cancelled. We requested Mr. [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 his 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.   A member of our Corporate Office reached out to Mr. [redacted] on April 6, 2017. Unfortunately, we did not have the opportunity to speak directly with him. We were able to release the pending transactions back into Mr. [redacted] available balance and sent an email communication informing him of the resolution.   We have provided Mr. [redacted] with our contact information should he have any further 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]. Ms. [redacted] states that she was on the phone with NetSpend while she was getting unauthorized charges on her card in another state. She wants to receive credit for the disputed transactions. On May 21,...

2015, Ms. [redacted] called to report unauthorized charges on her NetSpend card. The charges were pending at the time and we informed her they could be disputed if the merchants collected the funds. Two days later, when the merchants collected, she opened the disputes claim. We notified Ms. [redacted] that an update would be given in ten business days, June 8th. The provisional credit decision will be made at that time. NetSpend regrets the inconvenience Ms. [redacted] experienced with the unauthorized charges on her card. We do appreciate her patience as we attempt to retrieve her funds from the merchants. She has been given my 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 her dispute claim. On June 12, 2016, Ms. [redacted] contacted us to report 2 unauthorized transactions that posted to her account. We immediately blocked the card to prevent any further...

unauthorized use.  We promptly opened a dispute claim and began our investigation. We informed Ms. [redacted] of the investigation timeframes afforded under Regulation E. On June 24, we issued a provisional credit to Ms. [redacted]’s account, while we continued our investigation of her dispute claim. We completed our investigation on July 25, and provided full reimbursement for the disputed transactions to Ms. [redacted]’s account on June 24.  The results of the investigation were mailed to Ms.  [redacted] within 3 business days of completing the investigation.  A member of our Corporate Response Team reached out to Ms. [redacted] on July 29.  Ms. [redacted] explained that she only received partial credit from her dispute claim; however, Ms. [redacted] continued to use her card during this time, leaving her account with a negative balance at the time we issued the provisional credit. We emailed Ms. [redacted] a copy of her May and June statements that reflect her receiving full reimbursement for the 2 transactions in her 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 Ms. [redacted] with our contact information should she 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 a block on her
account that was caused by a merchant refund. 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 Mrs.
[redacted]’s account after Orthosynetics Inc. credited her card $371.49. 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 MasterCard processing rules. The merchant can also
reverse the credit and issue the funds to Mrs. [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 Mrs. [redacted]’s document on
December 1st and removed the account block.    On December 2nd, we spoke
with Mrs. [redacted] to address her concerns, and she advised us that her
concerns are resolved. NetSpend regrets the inconvenience that Mrs. [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

Complaint: [redacted]
I am rejecting this response because:Attached you will find the "findings" from my claim. I have multiple problems with the attached findings.  I have talked to 3 different customer service agents of NetSpend and every time I tried to access past account information (ie. Transactions) I was told that I can not access them because all 3 of my old accounts are now in dormant status and that their systems have no way of accessing any old account information. The past accounts are from Feb 2016(when I originally had a card sent for my tax refund), 2011, and 2009. This is concerning to me because in their findings they state that they found consistencies and that is part of the reason I would not receive a refund. I am confused as to how their could be any constancies since no one can access these dormant accounts. And the card I reported stolen was only used for 3 or 4 small purchases (<$15) and the rest where online purchases (ie amazon and airfair). Other then that the card was only used to pay for a few bills I had. So I am still not understanding where the "trend" is occurring. Because if you look at all of my current account transactions there would be no trend… Their findings also state that a pin was used on all of my transactions. I was also told this when I called the company. But according to my account transactions (that are visible on my online account, I have attached a few pictures -but ran out of space to include all of them) a pin was only used on 3 out of the total 6 transactions I was disputing. So either someone is not telling the whole truth or someone made a mistake. Also the two out of the three pin transactions at the ATM where both done after I orgionally called NetSpend on Monday,March 7th at 9:20am to report my card as stolen. I talked to a [redacted]. She stated that I would need to call back after all of the transactions  had cleared -in a few days-before they could open an investigation (someone should address this since this obviously is not your proppper procedure)time…. I also feel like the obvious is contually being stated when it comes to my pin. I originally told everyone I talked to on the phone and emailed that my pin was attached to my card (with a sticky note) because it was a new card that I would not use very often so I could remember the number. The majority of the purchases that card was/would have been used for were online purchases, which do not require a pin. And on the of chance I decided to use it in an actual store I probably would not have remembered it, since my main bank card uses a different number.  They stated in the Revdex.com Correspondences that a Ms. [redacted] would have bennifited from these transactions. Yet no where in the letter, Emails, or Voicemails, and Phone Calls I received and placed to/from NetSpend was I told this information... I find that rather alarming and reaching since I provided NetSpend with the last name of “[redacted]” to a security question associated with my account. And I do not know of anyone that still has that as a last name or even goes by it. When I attempted to look into this even further and brought my questions to their Response Team I was told they would have to get back to me and had no comment at the time. I have also attempted to phone Mr. [redacted] and left him a voice mail on April 15th at 4:57pm as well as April 16th at 12:09am but have yet to receive a repsonse back.I do appreciate their efforts to address the rude behavior that I received from some of their customer service reps but I still do not feel like the root problems have been addressed and I am not sure if they ever will be at this point since I am still receiving the run around and I am out a significant amount of money, that my family was counting on… I will not be giving this company any more of my business and will discourage anyone who asks me if I would recommend them, because of my encounters. I fell that somewhere their was an accident made on their investogation’s team part and that I (their old customer) suffered because of it. Hopefully this has not happened to any of their other customers…. 
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because: I didnt receieve a card on the 3rd I didnt recieve a card untill the 10 or the 11th but in the 7th I was suppose to recieve my card I didnt so I called to ask about it I was told that it was a mistake on there end where they didnt put in a request for my card so they would fast track me one in 2 business days I recieved it on the 10 or the 11 but while on the phone I asked the peraon to tell me my balance on the card and it was 3.00 so im assuming maybe ssi didnt send the money but they did I found out my card was used at a atm 3-4 time without my consent my pin and everything was changed because when I called on the 7th to tell them I havent recieved my card it didnt let me get through useing the pin that I set up so netspend let who ever it was that stole my money use a cancled card to take my money there was jo card that was mailed to my home on the 3rd and if there was I didnt recieve it I didnt recieve one till the 10 or the 11th.
Regards,
Equilla Lewis-cooper