Realcor Developments Ltd.

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a block on her NetSpend Prepaid Visa Card. On April 9, 2016, Ms. [redacted]’s account was blocked due to risk factors associated with her activity. We requested identifying documents to verify her...

account information. On April 14, 2016, Ms. [redacted] advised that she did not want to provide the requested documents and her account was closed. The specific account activity that triggered the block and closure is not disclosed to consumers for security purposes. We are no longer able to offer her services with our NetSpend managed programs. Ms. [redacted] will receive a check for the remaining funds on her account within ten business days. Ms. [redacted] has been provided 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 his dispute claim.   On October 24, 2016, Mr. [redacted] contacted us to dispute transactions from SITEBILLER.COM that posted to his account. We opened a dispute claim and promptly...

began our investigation.  We also informed Mr. [redacted] of the investigation timeframe afforded under Regulation E.  On October 26, we determined that Mr. [redacted] dispute claim was not eligible for provisional credit, due to the nature of his dispute with the merchant, but we are continuing our efforts to investigate the claim.   A member of our Corporate Response Team spoke with Mr. [redacted] on December 16, regarding his claim. We discussed the chargeback process with Mr. [redacted] and he had no further questions or concerns. We advised Mr. [redacted] that his claim is scheduled to be finalized by January 25, 2017.  The results of the investigation will be mailed to Mr. [redacted] in writing within 3 business days of completing our investigation.   We apologize for the service that Mr. [redacted] received regarding his card account being blocked. We have unblocked the card since it was not blocked for unauthorized activity. 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 Team NetSpend, A TSYS Company

To Whom It May Concern:   Thank you for forwarding Ms. [redacted]’ complaint [redacted] to us.   As you requested, we addressed this matter directly with Ms. [redacted] by way of telephone, email, or letter.  If a letter has been sent, it should be received within the next...

five business days. We sent Ms. [redacted]’ an email on September 18, and 21, outlining our actions to resolve her complaint.  Ms. [redacted]’ case has been assigned to Corporate Response Team Analyst, [redacted].   Should Ms. [redacted] contact our Customer Service Department, we have left notes on her account for her to be connected with [redacted] to further assist her 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

Tuesday, January 16, 2018To Whom It May Concern:We appreciate you for forwarding Ms. [redacted]’s additional comments.All customer communication with our Executive Leadership Team is addressed by our Corporate Response Team.  After a re-review of Ms. [redacted]’s dispute claim, we have determined that it was handled correctly.  As you requested, we addressed this matter directly with Ms. [redacted] on December 4, 2017, by way of telephone. A letter detailing Ms. [redacted]’s dispute investigation has been mailed to her address on file. Thank you for bringing this matter to our attention.Thank you, [redacted] Customer Experience AnalystNetspend, a TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by Jermmie [redacted] concerning a temporary credit he received from a disputes claim that he cannot access. He’s requesting for his money to be released because he cannot wait 7 – 10 days for a replacement card. On October...

13, 2015, we spoke with Mr. [redacted] and he informed us that his concerns have been resolved. His $53.00 was transferred by ACH (Automated Clearing House) debit to JP Morgan Chase. He received his card in the mail and activated it. Mr. [redacted]’ disputes claim is still ongoing and will finalize on November 6th. No further action will be required since he has already received his funds, as long as the claim is successfully won. NetSpend regrets any inconvenience that Mr. [redacted] experienced as a result of the unauthorized disputes claim and the delivery of the replacement 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 response because:
Regards,
[redacted] I am disappointed that my account was closed I am eentitled to any money that was already in my account that I earned...they could have notified me that my account was being closed so that I can take my funds out before I stayed with nothing...no wi am having to wait to get paid again and I should not have to be living this way... whatever they owe me I should be entitled to but I dont understand why I cant keep my accoun opened and why I was not notified before hand so that in wouldnt stay without any money

Complaint: [redacted]
I am rejecting this response because:I called the company on 11/22/17 immediately after making the transaction and was told by the netspend rep that nothing could be done to return my funds until it was no longer pending. They advised me to wait until 11/24 and call back when it had posted. I called back. When you return a car to a title pawn shop nothing is due. I returned the call and Mr [redacted] knows that I did return the car. I told them on 11/22 that they I didn’t want to do it anymore and they could get it from my home. I cleaned it out took tag off. They would not come and get it. I finally called and said if you don’t pick it up soon my complex will impound it. Then and only then did they come and pick it up. I do not have the car nor my funds. This company gave me the run around since 11/22. They told me to call back. I did. The rep who entered the amount of my dispute entered 1031.00 on one line and 1013.00 on another line. I didn’t say anything about 1013.00. My thought is that she meant to enter 1031.00 and just entered it backwards. If you subtract the two it’s $18.00. I submitted receipts, links to my account so they could see where it says if you surrender no money is owed. Title max instructed me to do that. Netspend constantly kept sending and telling me the issue was being escalated and to allow x amt of business days. I was told by [redacted] on last Tuesday that it was entered incorrectly and should have simply been cancelled on the day it was done while it was still pending. It would have resolved it all. Mr [redacted] told me last week that he could not see [redacted]’s note who said he was a supervisor. I have even left a message with their ceo. If you call you just get the run around and that’s what Mr [redacted] is doing here. He was nice initially until he realized I was getting upset about continuously being given the run around. He says here it will not be reopened but he just told me at the end of last week that I needed to wait to hear back from a supervisor in disputes bc he could not see an email from someone nam d [redacted]. They are prone to errors. He called me Ms [redacted] in this email. My last name is [redacted]. The company needs to be closed down. I really feel like I’m not going to get my money back and the company has both the car (after they finally decided to pick it up).. When I spoke to [redacted] and said I would be dropping it off she said no bc they wanted to put it in the lot and lock it up.  I feel helpless. Don’t have my mother’s car and out 1031.00. yes I’m rejecting what he’s saying because he is not telling the truth.
Regards,
[redacted]

This complaint was actually resolved today with a lot of tears and wasted time. Thanks for your help.

Complaint: [redacted]
I am rejecting this response because: netspend support team was no help at all . I spoke to a total of 25 foreneirs who knew nothing and sounded like trained robots. I requested to speak to someone in the states and that did not happen. My card was not activated even after I went online and activated they said due to a large refund you will be receiving you need to show us proof of the purchase. Show YOU proof of MY purchase??! What a joke and a night mare. You are dealing with people's money, please hire people who are useful helpful and who are in the states. This is an online bank and I had no access to my money for 5 days!!
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 as long as the notarized paper my daughter sent on march 30th to verify her identity is enough and no social security card or any other paperwork will be required as agreed by netspend.
Regards,
[redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Ms. [redacted] mentions not receiving a replacement for her stolen card. She’s requesting her funds to be returned to her account balance, and to receive an apology for the delay in receiving her card...

order. On October 6, 2015, we spoke with Ms. [redacted] concerning her card replacement. We apologized for the delay, and informed her that she will receive a replacement card to her address on file this week. NetSpend regrets the inconvenience that Ms. [redacted] experienced as a result of the delayed replacement of her stolen card. 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 a card he could not activate due to his Canadian address.  He’s requesting a refund sent to his current address or to his Father’s address.  On February 15, 2016, we reached out to...

Mr. [redacted] by telephone and email.  Unfortunately, we have not had the opportunity to speak with him, but will address his concerns when he returns our call. The account was closed and a refund check was mailed on February 17th to the address on file.  Once Mr. [redacted] contacts us to provide the correct address within the United States, we will assist him with receiving his refund.  NetSpend regrets any inconvenience that Mr. [redacted] experienced with receiving the refund for his card balance. 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: My current accessing of my NetSpend account came after I was recently allowed access to it, and when I finally starting access it again not only did I find a certain amount money missing from it, but I saw my account history prior to September 2017 had been wiped out. Be advised that I cannot open the attachment supposedly containing my NetSpend account history in the recent email sent by customer service representative [redacted].
Regards,
[redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the closure of her account and the return of funds.New and existing accounts are reviewed regularly by our Risk Management Department in efforts to prevent potential account compromising...

activity, and to ensure that all account activity is compliant with regulations. On March 28th, 2016, our Risk Management Team closed Ms. [redacted] account due to the risk factors involved.  The factors that led to the closure are kept internal for security reasons.On April 5th, I spoke with Ms. [redacted] and confirmed that her account would remain closed. I also provided her with the check number that we mailed to her address on file on March 31st, which she will receive within 10 business days.We regret the inconvenience that Ms. [redacted] experienced with the closure of her account. 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] states that he did not receive his refund checks from his closed Skylight account.  He wants the funds placed on his account.  On July 17, 2015, we spoke with Mr....

[redacted] concerning his check.  We mailed three checks to the address on the account, but he did not receive them.  We confirmed his PO Box address and will mail a check for his remaining funds on July 24th.  NetSpend regrets the inconvenience Mr. [redacted] experienced while waiting on his refund check.  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

To Whom
It May Concern:We received complaint # [redacted] filed with your office by [redacted] with his concerns of being a victim
of fraud, and the funds that were stolen from his card.  He’s requesting to be reimbursed for the
unauthorized transactions that initiated on his account. ...

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 Mr. [redacted]’s accounts on September 28, 2015. As a
result of these risk factors, Mr. [redacted] is no longer eligible for NetSpend
services.  Our customer service informed
Mr. [redacted] of this information when he contacted them on October 1st.  We reached out to Mr. [redacted] by
telephone and email on October 27th, but have not had the
opportunity to speak with him.  We
recommend that he contacts the Federal Trade Commission (FTC) at [redacted]
or by calling [redacted].  The FTC will provide a walk-through on how to report ID theft to the
major credit bureaus, FTC, police, and affected financial institutions.  When Mr. [redacted] returns our call we will
assist with his dispute of the fraudulent charge.  NetSpend
regrets any inconvenience that Mr. [redacted] experienced as a result of the
reported fraud and account closure. 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

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.
In addition, I spoke to a representative at NetSpend and he said he will be sending me a refund.  So I feel this matter has been satisfactorily resolved.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because: [redacted]'s account has nothing to do with my account closure. She hasn't shared with me any info other than her account being closed. My account was closed because I filed a dispute for the sexond time within a one year period. All I want is my account to be reconsidered for opening because there was no suspicious activity on my account. Not [redacted]'s. To discuss [redacted]s account please contact her. All I ever did was refer her and never got referall bonus I was promised.
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.
Regards,
[redacted]

Tuesday, May 26, 2015To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted].  Ms. [redacted] states that her card was sent to a wrong address.  Now, NetSpend will not give her the money she won in a disputes claim.  She wants the money that is...

being returned to the IRS.  On January 1, 2015, a person identifying themselves as Ms. [redacted] called to update the account information and have a card mailed to the new address.  That card was used to spend the tax refund that was deposited to Ms. [redacted]’s account on January 27th.  She called two days later to inform us that she did not get the card and to dispute the charges done with that card.  The disputes claim was paid out in full on March 13th.  Because the documents we received could not validate Ms. [redacted]’s identity, NetSpend Risk Department and IRS reviewed the deposited funds.  IRS requested that the funds be returned to them.  We confirmed that the IRS received the funds as of May 22nd.  They gave us a lead number that we conveyed to Ms. [redacted].  NetSpend regrets the inconvenience that Ms. [redacted] experienced with the unauthorized use of her card.  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