Realcor Developments Ltd.

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the misinformation she received regarding her replacement card.On March 5, 2016, Ms. [redacted] contacted our Customer Service Department to order a replacement card. Ms. [redacted] stated she was...

told the card would be expedited, but it was mailed out with normal 7-10 business day delivery to be received by March 18th.On March 17th, I spoke with Ms. [redacted] to address her full concerns. The agent that provided the incorrect card timeframe will be addressed to prevent incidents like this in the future.We apologize for the inconvenience Ms. [redacted] experienced while waiting to 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]. Mr. [redacted] mentions the inconvenience that he experienced when attempting a funds transfer to his new NetSpend card purchase, after his existing card was stolen. He’s requesting to be reimbursed...

transaction fees, and for the NetSpend card purchases that he attempted to use for his funds transfer. On October 8, 2015, we spoke with Mr. [redacted] to address his concerns. We apologized for the suggestion to buy another card to transfer funds. For security purposes, our cardholder transfer feature is not available for temporary card purchases. The personalized card must be received in the mail and activated before our cardholder’s can request to have the transfer feature activated. Mr. [redacted] has received the replacement for his stolen card on October 6th. We worked with him to resolve his concerns. NetSpend regrets any inconvenience that Mr. [redacted] experienced while waiting to replace his stolen card. He has been given our contact information should he have any additional questions or concerns. Thank you,[redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claim.On October 5, 2016, Ms. [redacted] contacted us to dispute a transaction that posted to her account by TXU BILL PAYMENT. We opened a dispute claim and promptly...

began our investigation.  We also informed Ms. [redacted] of the investigation timeframe afforded under Regulation E.  On October 20, we determined that Ms. [redacted]’ dispute claim was not eligible for provisional credit, due to the nature of her dispute with the merchant, but we are continuing our efforts to investigate the claim. A member of our Corporate Response Team spoke with Ms. [redacted] on October 14, regarding her claim and the dispute process. We advised Ms. [redacted] that her claim is scheduled to be finalized by December 5.  The results of the investigation will be sent to Ms. [redacted] in writing within 3 business days of completing our investigation. We apologize for the poor 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.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

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.
They have assured me via phone that they will make it clear that this is an offer for a prepaid credit card that requires funds to be deposited to a new account so elderly and disabled persons understand what they are asking for up front.
Regards,
[redacted]

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 blocked on a prior dispute with the merchant, but they charged it again.  She wants the refund immediately.  On May 22, 2015, Mrs....

[redacted] disputed a charge from [redacted] for $80.00.  We informed her that we would issue her an update on the claim within ten business days, June 5th.  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]’s patience while we attempt to retrieve her funds. Should she have any additional questions, she can reach us at the toll free number, 1-[redacted]  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. As you requested, we addressed this matter directly with Mr. [redacted] on August 14, 2017 by way of telephone. We sent Mr. [redacted] an email detailing the actions taken on his...

wife’s 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

Complaint: 11678709
I am rejecting this response because: the company closed my account without warning, notification, or anything. Netspend is still holding my daughter's disability payment of $733 that was supposed to be deposited on the 26th of August. What gives them the right to do any of this to customers?
Regards,
[redacted]

Wednesday, February 08, 2017To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a block on his Card Account. On February 4, 2017, Mr. [redacted] received a merchant refund from Johnston & Murphy.  A systemic block was placed on...

the Card Account because the refund did not correspond with any debits posted by the same merchant. When a refund is received on a Card Account that does not correspond with a prior debit transaction, or a refund is received that exceeds the amount of the original purchase transaction, it is our policy to request the original purchase receipt to authenticate the refund in accordance with our responsibilities under the MasterCard Processing Rules. On February 5, we received documentation from Mr. [redacted] that validated the refund he received from Johnston & Murphy.  On February 7, Mr. [redacted] received a second merchant refund from Johnston & Murphy and additional documentation was requested.   A member of our Corporate Office attempted to speak with Mr. [redacted] on February 8, 2017, to explain why the documentation was insufficient and to assist with the block removal.  Our Risk Management Team reviewed his Card Account and the block was removed later that same day.  Mr. [redacted] was able to access his available balance. 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] Corporate Customer Response TeamNetspend, a TSYS Company

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

to provide a safe and secure product for all of our cardholders. On February 10, 2016, a systemic block was placed on Ms. [redacted] account after Nordstrom credited her card $431.00. In the event that a refund takes place on a NetSpend account with no corresponding debit, it’s our policy to request a copy of the original purchase receipt in order to authenticate the refund. This policy is in accordance with our responsibilities under the Visa processing rules. Ms. [redacted] emailed the documents showing why she received the refund credit on February 13th to our Document Review Team.  Our Fraud Prevention Team removed the account block the next day. 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 Team NetSpend A TSYS Company

To Whom It May Concern: Thank you for forwarding Ms. [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 Ms. [redacted] dispute claim and complaint. After review, we’ve determined that all her dispute claims wer handled correctly. We attempted to reach Ms. [redacted] by phone and email on July 24 and July 26 but unfortunately, were unable to speak with Ms. [redacted]. We mailed her a letter on July 24 outlining 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 Analyst Netspend, a TSYS Company

Wednesday, September 21, 2016To Whom It May Concern:We received complaint # [redacted]filed with your office by [redacted] concerning his dispute claim. On July 31, 2016, Mr. [redacted] contacted us to report unauthorized transactions that posted to his account from MICROSOFT*XBOX. We immediately...

blocked his card to prevent further unauthorized activity and ordered him a replacement card to be mailed to his address on file.  We promptly opened a dispute claim and began our investigation. We also informed Mr. [redacted] of the investigation timeframes afforded under Regulation E. We issued a provisional credit for the disputed transactions to Mr. [redacted]’s account on August 11.On September 14, we concluded our investigation with no credit being issued to Mr. [redacted]’s account due to the merchant providing documentation that validated the transactions. We advised Mr. [redacted] that the provisional credit issued to him on August 11, would be reversed on September 21. We also provided Mr. [redacted] with a copy of the documentation that the merchant sent.A member of our Corporate Response Team reached out to Mr. [redacted] on September 14 and explained the results of the investigation.  Mr. [redacted] was not satisfied with the outcome and requested to escalate further. A Supervisor from our Corporate Response Team reached out to Mr. [redacted] and left him a voicemail with his contact information. We provided reimbursement as a courtesy to Mr. [redacted]’s account due to the problems he encountered.We have provided [redacted] with our contact information should he 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]. Ms. [redacted] mentions she was unable to access the website and the debit card was not working. She wants an explanation and her monthly fee refunded to her. On August 19, 2015, NetSpend...

experienced a brief outage that interrupted service to our customers. We apologize for the difficulties Ms. [redacted] and her fiancé encountered during the early morning hours. This rare unforeseen occurrence was corrected as expeditiously as possible. We have refunded the monthly Fee Plan cost back to Ms. [redacted]’s account. NetSpend regrets the inconvenience that Ms. [redacted] experienced during the outage. 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

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted].  Mr. [redacted] states that he could not activate his new NetSpend card and was told that the Risk Department found him ineligible for NetSpend’s services.  He wants his card activated and the use of...

all NetSpend services.  Our Risk Management Team regularly monitors our cardholder’s accounts in efforts to prevent compromising activity, or unacceptable account usage. Our Risk Management Team identified risk factors that led to blocking Mr. [redacted]’ account on May 22, 2013.  From that point, Mr. [redacted] was no longer eligible for NetSpend services.  When he attempted to activate the recent card managed by NetSpend, our system recognized his information as a previously blocked cardholder.  The card was not activated, and no funds were accepted to the account. Mr. [redacted] remains ineligible for NetSpend services and this decision cannot be reversed.  NetSpend regrets any inconvenience that Mr. [redacted] experienced with the new card. We have provided him with our contact information should he have any additional questions or concerns.  Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: [redacted]
I am rejecting this statement by Netspend because this matter is not yet closed. The $92 and some change is great, really I truly appreciate & it's very sad it took the Revdex.com to get involved here for me to get some money back & for the matter to finally be handled. Thank you Revdex.com. This must mean something suspicious is really going on  behind the scenes over at The Netspend Coorperation. So I accept the closing of the first dispute, the 2 - 400$ issued to me but I'm not going to mention that 92$ is joke if you thinkthat's all I'm taking to resolve these matters. Netspend is a fraud and scam Cooperation  and I truly feel very bad for the future customers of Netspend as they are running a very shady scheme behind closed doors and that should not be tolerated by anyon especially the Revdex.com. I'm not closing this matter until my 800 dollars that was written off and deemed a no error is re-opened, correctly ivestigated and the correct amount of 800 is payed out along with all current disputes pensing now. Netspend is and has been trying to milk the 60 day rule allowed &  written in thepolicy so I can't dispute any transactions so they can use it against me on why It took so long to file. Truth is I finally got my print outs this week from [redacted] at Netspend, but that's after the fact it took almost 2 months and a file to the Revdex.com make  that happen. Netspend, I'm not going to just roll over and just let 800$ go like that. I filed for a reason and if Netspend can't respect that then I can't respect their decisions as a Company. Just so you know too, a couple of those transaction I had disputed were accidentally disputed by myself and I have since then payed back all the Vendors affected by this matter. Thing is, if your investigation states you have found a no error and I actually that then your investigations at Netspend are inaccurate. The ones found with no possible errors were in fact legit. I said too I have sinced repayed from my own pocket to keep thse cendors happy. I don't really know who handling these investigations but something has to be done in regards to this matter, and soon. Thank you all for the time.   Regards,  [redacted]
[redacted]

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning the inconvenience he experienced with fees on his NetSpend card.  The NetSpend card is sold at thousands of distributors throughout the United States.  Our packaging displays...

helpful information about using the prepaid debit card, including the fees charged when completing transactions.  We also provide a website, [redacted], for our cardholders to view account history and all the available features for the card.  On April 4, 2016, we spoke with Mr. [redacted] and explained the transaction fees when using his card.  He informed us that the store who sold him the card did not provide him with the package or the card terms.  As a courtesy, we refunded the transaction fees to his card balance.  We have reached out to the specific distributor who sold Mr. [redacted] his cards to ensure they provide all customers with the material that comes with our product.  We regret the inconvenience that Mr. [redacted] experienced while using his card.  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: Thank you for forwarding Ms. [redacted] complaint to us. As you requested, we addressed this matter directly with Ms. [redacted] on March 27, 2018 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

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning a replacement card he never received.  He’s requesting a card in order to access to his funds.   On January 26, 2016, Mr. [redacted] ordered a new NetSpend card to replace the...

one he lost.  The agent he spoke with entered an incorrect address and that card was not able to be delivered.   We spoke with Mr. [redacted] on February 5th and apologized for the error in his address.  After updating his information, we ordered him another card that was express shipped to his address.  He received his new card and activated it on February 9th.  Appropriate action was taken with the agent responsible to insure this does not happen again.  NetSpend deeply regrets the inconvenience that Mr. [redacted] experienced with receiving the card to his address. He has been given our contact information should he 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: It still isn't  resolving my issue and they still won't credit my account even after I provided a valid police report
Regards,
[redacted]

To Whom It May Concern:We received complaint # [redacted], filed with your office by [redacted] concerning the NetSpend Prepaid MasterCard offer that he received in the mail. He’s requesting to be opted out of future card offers, and to know how we received his information. The offer (and...

accompanying disclosures) Mr. [redacted] received was distributed in compliance with the Electronic Fund Transfer Act as implemented through Regulation E (12 CFR 1005.5(b)). His social security number and date of birth were not provided and are not connected to this offer in any way. No account in his name has been activated without his permission. This offer is NOT a credit card, it contains no value, and it cannot be used to conduct transactions. No credit report has been or will be obtained in connection with this offer, and this offer does not have any effect on Mr. [redacted]’s credit. NetSpend works with third party marketing partners that provide us with information for consumers who may need a service like the NetSpend Prepaid MasterCard. We mail those consumers card offers. Because Netspend feels strongly about customer privacy, we only contract with marketing affiliates that have collected the information from willing consumers and have received permission to share it with us. Again, the offer is not active and cannot be used unless activated. During activation NetSpend verifies the identity of the person activating the offer to ensure that the card can only be used by the intended recipient. On October 8, 2015, we spoke with Mr. [redacted] concerning the card offer he received. We informed him that we have removed his name and address from our mailing list and he should not receive any future offers from any NetSpend managed programs. We’ve also submitted a request to obtain specific details of how Mr. [redacted]’s information was obtained for this card offer. When it is received, we will relay the information to him. We apologize for any inconvenience that Mr. [redacted] experienced as a result of this card offer. He has been given 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:I am not accepting this response...... I have done everything Netspend asked me to do I called the Walgreens I purchased items  from,spoke with the manager [redacted] and [redacted]. I drove over 50 miles back to [redacted] Texas  to get the copy of the sales receipt  that day. I have emailed and faxed all this information asked of me to do and Netspend still wants to hold money me and my children need. Netspend has no regard for my past due bills and moving expenses that have accumulated since 2 weeks ago. I am never dealing with Netspend again....they have set me back a great deal. I am very angry cause it is affecting my lively hood and my children's as well. Do they care?????? No!!!!!!!! People have things to do and this is rediculous. I am going to take further action...I will get the lawyer I need to handle this because it's one too far, set me back, not Netspend....I am not the richest person in the world and by far uneducated or illiterate. I know my rights and a tax paying citizen and there is no reason why Netspend should still  be holding on to funds that belong to me. Plus, I have done everything asked of me ,jumping through hoops over a mistake cause if I had known that I would have never swiped my card....I wouldn't have signed up for the prepaid services. I have to move....as in move my family.....relocate......pay for the area I want to live in and if I could use my damn funds it would be easier a whole lot easier than it is now. If it is the last thing I do.....Netspend...Mr. Billy Campbell who has a great deal to do with this acting as if he's so nice and wants to help is making things more difficult. When he contacted me directly, I thought he was trying to help the situation and he's only making it more difficult for me and my family. This is my life and in my life I need access to my accounts...whatever I have......this is by far over and besides the Revdex.com trying to resolve this I have started taking suitable measures for my complaint. I have never been through this before and God will get all these buisnesses that do these things to people. Common sense you would think they would understand that most people who attain prepaid services are struggling individuals everything isn't as easy for them than others with real accounts. Let's just be real...I am not poor but I am a single mother of two and trying to provide the best for my family....these kind of things happening I can't afford going through at this time. This isn't the end of this, I am past pissed and disappointed in Netspend customer services and buisness . I will never ever ever ever sign up with they're services again. If I have too..... I will sue, note that in your system Mr. Campbell cause you are putting extra stress on my financial dealings and what I have going on in my life which clearly you don't give a damn. Thank you. 
Regards,[redacted] 
[redacted]