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.
Regards,
[redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Ms. [redacted] mentions that she received unprofessional responses to her inquiries and did not get assistance with her merchant refund. She requests that this behavior be addressed and wants a refund for...

the product she never received. NetSpend apologizes for the uncooperative responses Ms. [redacted] received from our representatives. We are in process of reviewing the calls and will take any necessary action to prevent this from happening in the future. We will continue to educate our staff to be more careful, attentive and service oriented when handling our customer‘s concerns and we appreciate Ms. [redacted] for notifying us of this situation.On August 21, 2015, the merchant, Hyatt Gun Shop, credited Ms. [redacted]’s account for $199.98. It was available to her immediately. We regret the inconvenience that Ms. [redacted] experienced while seeking assistance with the merchant refund. We have provided her our contact information should she have any additional questions or concerns. Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: [redacted]
I am rejecting this response because:I was called and I missed the call. I immediately called right back after I listened to the voicemail. I also emailed numerous times and I finally got a response. I was advised a provisional credit was added to my account. The credit was never added to my account and of course no one is contacting me back.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:I talked to the IRS on 5/14/2014 after talking with Revdex.com, the IRS said there has been no money or check debited to them and that the lead number that netspend has given me doesn't mean anything but they did tell me to call back every 7 days
Regards,
[redacted]

Monday, April 09, 2018To Whom It May Concern: Thank you for forwarding Mr. [redacted] complaint to us. Prepaid debit cards can be used at locations displaying the VISA/MasterCard logo.  However, card acceptance policy is subject to advisements and directives issued by our government...

to U.S. financial institutions.We attempted to reach Mr. [redacted] on April 9, by telephone, but were unable to speak with him. We sent an email to Mr. [redacted] outlining our actions taken on his Card Account. 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 AnalystNetspend, a TSYS Company

To Whom It May Concern:We received additional comments on complaint # [redacted] filed with your office by [redacted] concerning the closure of his account. He is also inquiring on checks that we mailed to him.Our Risk Management Team identified risk factors that led to the closing of Mr. [redacted]’s account on January 5, 2016. The factors that lead to the account closure are kept internal for security reasons. As requested by Mr. [redacted], we attempted to reach him by telephone and email on January 18 and January 19, but were unable to speak with him to further address his concerns.NetSpend regrets the inconvenience that Mr. [redacted] experienced. 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 her direct deposit. On October 11, 2016, Ms. [redacted] contacted us to discuss the status of her direct deposit.  Our Customer Service Department explained to Ms. [redacted] that...

we post direct deposits as soon as they are received.   In some cases, a company will send us a test deposit to ensure that an account is active before sending the actual deposit.  This test eliminates the possibility of a deposit going to someone else's account.  Typically, once the test deposit is successful, we will receive the actual deposit on the next payment date.  We also requested Ms. [redacted] to obtain the trace number to assist us with locating the deposit, if it is missing. In response to her communication, we attempted to contact Ms. [redacted] on October 13, however we were unable to speak with her to address her concerns. We will make sure Ms. [redacted] funds are made available as soon as they arrive.   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

Complaint: [redacted]
I am rejecting this response because: I did respond to the agent and he acknowledged the response with a response of his own.  The agent also DID NOT CONTACT ME AT THE EMAIL I PROVIDED FOR THE COMPLAINT but instead used a different email.  He also marked this after I had sent him the email, trying to tell you that I hadn't responded when in fact I had.....  I can only assume he was trying to avoid having to actually communicate with me.  I also mentioned in my response that no one has addressed the fees that I have incurred because of their problems and he yet again ignored that.  It just seems to be a repeat of the customer service I experienced that led to the complaint in the first place.  It is also STILL NOT FIXED on my account.
Regards,
[redacted]

To Whom It May Concern:   We received complaint # [redacted] filed with your office by [redacted] concerning his pending transaction.    On November 11, 2016, Mr. [redacted] contacted our Customer Service Department to report that his card transaction with Cheapdjgear.us had...

been declined and he wanted the funds returned to his available card balance.  Our agent informed Mr. [redacted] in order to release the pending authorization, we require documentation from the merchant that states they did not intend on collecting the funds.    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.   In response to his communication, a member of our Corporate Response Team spoke with Mr. [redacted] on November 23, to explain why the documents he sent were insufficient to release the transaction.  We placed a conference call to the merchant and verified that the transaction had been voided in their system and they will not be collecting.  The funds were released to his card balance during the call.    If the merchant does collect on the original transaction, Mr. [redacted] will need to dispute the transaction in order to recover the funds.  NetSpend’s release of the pending authorization is not a void or cancel of the charge.    We 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

Friday, December 22, 2017To Whom It May Concern: Thank you for forwarding Mr. [redacted]’ complaint to us. When investigating dispute claims reported by our cardholders, we adhere to the processes as defined in both Regulation E and in Netspend cardholder agreements that customers receive...

when opening an account. We’ve reviewed Mr. [redacted]’ dispute claim and complaint that provisional credit was not provided. After review, we’ve determined that his claim was handled correctly. As you requested, we addressed this matter directly with Mr. [redacted] on December 22, 2017, by way of e-mail. We provided him with further insight on the dispute process. His case has been assigned to a Corporate Customer Response Team Analyst, [redacted].  Should he contact our Customer Service Department, we have left notes on his account for him to be connected with [redacted] to further assist him with his concern.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:Two reasons, the first is where Mrs. [redacted] states the policy for transferring money from a PayPal account to a PayPal Prepaid Mastercard is on the package of the temporary card. To my knowledge that is not correct I personally studied the package before I purchased the temporary card and did not find that policy on the outside or the inside of the package. When I called customer service for the PayPal Prepaid Mastercard to complain about not being able to utilize the card and that there was no information about waiting until a permanent card was mailed 7-10 days after activation of the temporary card. The customer service representative told me that they knew about that this was an issue and advised me that my concern was going to be addressed up the chain of command. Secondly Mrs. [redacted] did not address the issue of transferring money in either of the two emails she sent me. I've attached the emails. What happened was I was refunded $4.95 and promised an expedited permanent card in 1 to 2 days that didn't arrive in the promised amount of time and as a result I was penalized with late fees because I made arrangements according to the promise I was made that wasn't fulfilled. 
Regards,
[redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by Joseph [redacted] concerning the Refer-A-Friend bonus associated with his NetSpend Prepaid Debit Card.  On March 1st, 2016, Mr. [redacted] opened a Netspend account using the Refer-A-Friend offer. Mr. [redacted] began...

adding funds to his account via instant transfer from another account, which is not one of the methods mentioned in how to load funds to qualify for the Refer-A-Friend credit. On March 21st, I spoke with Mr. [redacted] to address his concerns. I verified the referral code he provided and issued the Refer-A-Friend credit to his account.NetSpend regrets the inconvenience that Mr. [redacted] experienced while waiting to receive his Refer-A-Friend bonus.  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 her inconvenience with accessing her funds on the NetSpend card that she purchased.  To help the Federal Government fight against funding terrorism and money laundering activities,...

federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a prepaid debit card account. When our cardholders open a card account or add a secondary cardholder, we will ask for their name, physical street address, date of birth, and other information that will allow us to reasonably identify them. This information can be found on the outside of our card packaging.  Ms. [redacted] purchased her NetSpend card on January 15, 2016. Additional information was needed to activate her account, and our customer service requested for her to send in identity documents.  Since Ms. [redacted] was unable to send us all of her identity documents, she was provided an option to convert her NetSpend account to Limited Use status. Limited Use allows funds to be dispensed from the NetSpend card at the point of sale, using PIN and Signature transactions. Once the funds are dispensed, the account will close and the card can be discarded. Ms. [redacted] agreed to have her card converted to Limited Use; however her card had been blocked for the protection of her funds while she was incarcerated. On March 23rd, I spoke with Ms. [redacted] to address her concerns. I provided Ms. [redacted] with my email address and once she is able to send me her incarceration release papers, I will set her card to be activated for Limited Use. NetSpend regrets the inconvenience that Ms. [redacted] experienced while attempting to activate her 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

Friday, October 13, 2017 To Whom It May Concern: Thank you for forwarding Mr. [redacted]’ additional comments on complaint [redacted] to us. As you requested, we addressed this matter directly with Mr. [redacted] on October 13, 2017 by way of telephone. We informed Mr. [redacted] by email on the same day, of 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]. [redacted]Customer Experience Specialist Netspend, a TSYS Company

Complaint: [redacted]
I am rejecting this response because:
I spoke to  [redacted] yesterday so that was a lie that I didn't speak to him I simply ask for 976.70 dollars to be sent back to the VA now I've been told it's gonna be mailed in 4 weeks which is unacceptable I have bills to pay 
Regards,
[redacted]

Thursday, March 01, 2018To Whom It May Concern: Thank you for forwarding Ms. [redacted] complaint to us. Due to risk factors that were identified with Ms. [redacted] Card Account, the decision was made to close the account and Ms. [redacted] is no longer eligible for products managed by Netspend.We...

attempted to reach Ms. [redacted] by phone and email on March 1, 2018, but unfortunately, we were unable to speak with her. Ms. [redacted] case has been assigned to a Corporate Customer Response Team Analyst, [redacted]. Should she contact our Customer Service Department we have left notes on her account for her to be connected with [redacted] to further assist with this matter.  Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern.[redacted]Customer Experience AnalystNetspend, a TSYS Company

To Whom It May Concern: We received additional comments on complaint # [redacted] filed with your office by [redacted] concerning the inconvenience that she experienced with filing a disputes claim for an unauthorized transaction that occurred on her account. She’s requesting access to her funds.    In an effort to protect NetSpend cardholders, our Risk Management Team regularly monitors their accounts in order to prevent compromising activity, or unacceptable account usage. Our Risk Management Team identified risk factors that led to the blocking of Ms. [redacted]’s accounts on December 15, 2015. As a result of these risk factors, Ms. [redacted] is no longer eligible for NetSpend services. Her first disputes claim closed on December 15th and her second claim closed on December 17th.  Both claims were paid out and the credited amount was mailed to Ms. [redacted]’s address on December 21st.  We reached out to Ms. [redacted] by telephone and email on January 6, 2016 to address her concerns, but have not had the opportunity to speak with her. NetSpend regrets the inconvenience that Ms. [redacted] experienced as a result of her account closure. We have provided her 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 additional comments on
complaint # [redacted] filed with your
office by [redacted] regarding her
not being notified of the block that initiated on her account, causing her
direct deposit to not be accessible.  She’s requesting for her deposit to be returned to her employer.  Our Fraud Prevention Team regularly
monitors account activity in order to provide a safe and secure product for all
of our cardholders. On November 2, 2015, a systemic block was placed on Ms.
[redacted]’s account after Shoe Carnival credited her card $243.33. The e-mail
that we have on Ms. [redacted]’ account was sent to notify her of the block. As
we mentioned in our previous response, our Fraud Prevention Team reviewed Ms.
[redacted]’s documents that were sent to us on November 6th, and the
block was removed from her account. Ms. [redacted]’ direct deposit was received
on November 4th, and her funds successfully posted to her account. On November 17th, we
reached out to Ms. [redacted] to address all of her concerns.  Unfortunately we have not had the opportunity
to speak with her.  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 his dispute claim.    On January 13, 2017, Mr. [redacted] contacted us to report a transaction that posted on his account by the merchant, Prestige Financial.  We...

promptly opened a dispute claim and began our investigation.  We also informed Mr. [redacted] of the investigation timeframe afforded under Regulation E. On January 30, we determined that Mr. [redacted] dispute claim was not eligible for a provisional credit, but we are continuing our efforts to investigate the claim.   The claim is scheduled to be finalized by the end of the day March 17. The results of the investigation will be sent to Mr. [redacted] in writing within 3 business days of completing our investigation.    Mr. [redacted] contacted our Customer Service Department on February 7, and initiated a 3-way call with the merchant.  The merchant stated they returned the funds to Mr. [redacted] account.  We encourage the merchant to reference their Merchant Processing Agreement regarding dispute resolution process to clarify the status of the funds.    A member of our Corporate Office reached out to Mr. [redacted] on February 16, 2017 to explain the dispute resolution timeframe.  We informed Mr. [redacted] via email communication the date he can expect an update on his dispute claim.    We apologize for the service that Mr. [redacted] experienced with our Customer Service Department.  We have reported this incident to the management staff of the customer service agents he spoke with.   We have provided Mr. [redacted] with our contact information should he have any additional questions or concerns.    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 block on her account that was caused by a merchant refund. Our Fraud Prevention Team regularly monitors account activity in order to provide a safe and secure product for all of...

our cardholders. On March 16, 2016, a systemic block was placed on Ms. [redacted]’ account after she received a refund from a merchant. 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. On March 29th, I spoke with Ms. [redacted] to address her concerns. She had made a previous purchase with WOODFIELD HOTELS, but received a refund for a larger amount. I requested Ms. [redacted] to send me her stay folio with the hotel.  The merchant later emailed the document to me and included details of the refund. On March 31st, our Risk Management Team was able to verify the refund with the merchant and released the funds back to Ms. [redacted]’ account.NetSpend regrets the inconvenience that Ms. [redacted] experienced as a result of the block on her account. She has my contact information should she have any further questions or concerns. Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company