Realcor Developments Ltd.

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a block on her account.On June 2, 2016, Ms. [redacted] called our Customer Service Department to review her account history. The customer service agent Ms. [redacted] spoke with misunderstood...

her requests and changed her middle name on the account to her first name. The name change triggered and identification verification and we requested Ms. [redacted] to send us copies of her identity documents.  Due to the misunderstanding, Ms. [redacted] requested to close her account and have a refund check for the remaining funds to be mailed to her address on file.Upon receipt of her complaint, we spoke with Ms. [redacted] on June 3 to discuss the name change on her account. We corrected Ms. [redacted]’s name and we were able to verify her identity information.  We reopened Ms. [redacted]’s account and added her funds back into her available balance.  We also confirmed there were no unauthorized transactions on her account.We apologize for the miscommunication 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 further questions or concerns. Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: [redacted]
This company is putting me through hell and back they haven't sent me any refund check and when I call and ask about it they tell me it's for all these different prices!!!!! I am being told by everyone that I should hear something soon but that's a complete lie I have my phone records of how many times I have called netspend and how long I was on hold for hours at a time! They haven't called me they keep saying some one from there dispute department will call me but I haven't gotten anything yet !!!! I just want my money back and If not I'm going to sue this bank !
I am rejecting this response because:
Regards,
[redacted]

Mr. Campbell, I tried phoning you yesterday, but the call went straight to your voicemail.  I'm not sure what PVC stands for, so that information was useless to me. I'm available by phone before 8:00am Pacific Time and after 3:30pm. I'm a teacher.    SLAC turned out to be a fraudulent corporation and stole my money. I contacted PayPal Prepaid Credit as soon as I knew. I was never informed about any other paper work needed to receive my temporary credit. I desperately need the credit to take care of the student loan that SLAC had falsely agreed to handle. According to MasterCard I'm only responsible for $50 of any fraudulent charges. I would like my credit while you deal with SLAC. This is the reason I use the card. For protection. I don't see Netspend protecting the consumer. Please credit my card immediately. Thank you.     Ms. Stephanie [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]

Complaint: [redacted]
I am rejecting this response because: I spoke with a Representative Mr. [redacted] who was most polite and HE (and He alone) was the ONLY one that listened to me, reviewed all of my documents, and recommended that I be 'UnBlocked' and supposedly someone from Corporate was supposed to call me. Instead 'They' keep sending their perfunctory letters of empty rhetoric demanding even more paperwork I simply do not have. This entire matter is the result of Netspend failing to update my information in September, October, November, and early December despite my repeatedly calling in and asking for same to be done. Over 2 weeks ago I deposited a $75.00 Check and when I tried to Use my Netspend Card I was unable. My email address had not been updated nor had my phone number. When the representative updated my information Netspend then Blocked my Card. They literally have 'Stolen' my Money. I don't need to be able to use the Card, I only want them to send me a REFUND Check to my Address of Record at 18081 Midway Road, #1712, Dallas, Texas 75287, and "Call It A Day!". They KNOW it's Me, I have another Netspend Account in My Name and another of my Business Names of Tristar Diagnostics Laboratories...with No Problem. They Can even simply Transfer MY $75 to that account. Otherwise this is pure Theft in every sense of The Word!
Regards,
[redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by Virginia [redacted] concerning a card offer that was sent to her daughter who is a minor. NetSpend works with third party marketing partners that provide us with information for consumers who may need a service like...

our prepaid debit card. We mail those consumers card offers. The card offer is not active and the card cannot be used unless activated. Our activation verifies the identity of each potential cardholder as a part of our Customer Information Program. This ensures that the card can only be used by the intended recipient. During the offer activation, we collect social security number and date of birth to verify identity only. There is no credit check involved because our Prepaid Debit Card is not a credit card. The primary cardholder must be at least 18 years of age.  On March 15, 2016, I spoke with Ms. [redacted] to address her concerns. We cancelled the card offer and removed her daughter’s information from our systems to prevent future card offers from being sent to her. Additionally, we have submitted a request to our Marketing Department in order to obtain detailed information on how her daughter’s name and address were obtained.  We will convey that information to her once it is received.  We regret any inconvenience that Ms. [redacted] and her daughter experienced as a result of this card offer. 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

Thursday, August 25, 2016To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning an unauthorized transaction on his account. On August 10, 2016, Mr. [redacted] contacted us and reported that his card was used without his authorization on May 28,...

2016. We immediately blocked his card to prevent additional unauthorized transactions and ordered him a replacement card. We promptly opened a disputes claim and began our investigation. We also informed Mr. [redacted] of the investigation timeframe afforded under Regulation E. We concluded our investigation of Mr. [redacted]’ dispute claim on August 24 and no credit was issued because we did not find that an error occurred. The dispute claim was not reported within 60 calendar days after electronically accessing his account once the error appeared in the transaction history. In response to this communication, we reached out to Mr. [redacted] on August 25, but unfortunately, we have not had the opportunity to speak with him. We sent him an email explaining that the transaction was not reimbursed because he reported it as unauthorized more than 60 calendar days after electronically accessing his account, and the transactions would have been reflected in his electronic transaction history at the time of that access. Mr. [redacted] has been provided with our contact information in case he has 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]. Ms. [redacted] states that she did not receive the requested account history in the 24 – 48 hours quoted to her. She wants the history sent to her. On May 20, 2015, Ms [redacted] requested the account...

history for her NetSpend card. We told her she would receive the history in 24 – 48 business hours. We emailed the history to her on May 25th. We later confirmed with Ms. [redacted] that the document was received for the purpose she intended. NetSpend regrets the inconvenience Ms. [redacted] experienced while waiting on the account history. 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 the inconvenience that he’s experienced
while attempting to activate his card. He’s requesting assistance on activating
his card.  On November 16, 2015, we reached out to Mr.
[redacted] by...

telephone and email.  We
requested additional information so that we could locate the card he is
referencing.  Once we receive the
requested information from him, we will be able to further assist him with his
card activation.  We regret the inconvenience that Mr. [redacted]
has experienced while attempting to activate his card.  He has been given our contact information
should he have any additional questions or concerns.  [redacted]Corporate
Customer Response TeamNetSpend
A TSYS Company

Tuesday, July 19, 2016To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claim.  On July 7, 2016, Ms. [redacted] contacted us to report an unauthorized transaction that occurred on her account.  We immediately blocked her...

card to prevent additional unauthorized charges and ordered a replacement.  The charge was pending at the time of her call, so we opened a dispute claim the following day when the transaction posted and we promptly began our investigation. We also informed Ms. [redacted] of the investigation timeframes afforded under Regulation E.   In response to her communication, we reached out to Ms. [redacted] on July 19, but unfortunately, we have not had the opportunity to speak with her.  On July 21, we concluded our investigation and issued full reimbursement for the unauthorized transaction back to Ms. [redacted]’s account.  We understand how frustrating it can be to experience unauthorized charges on your account. NetSpend is very committed to providing a safe and secure product.  Ms. [redacted] has been provided 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 the inconvenience she experienced with activating her NetSpend account.  She’s requesting access to her funds.  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] attempted to activate her NetSpend card on February 10, 2016 through our website, [redacted]. Additional information was needed to fully activate her account, and when she contacted our customer service, they requested for her to send in identity documents. Since she did not want to send in the required documents, the Limited Use option was offered to Ms. [redacted] as a method to obtain the funds on her account. 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. When the card is converted to Limited Use, it cannot be reversed.  On February 12, 2016, we reached out to Ms. [redacted] by telephone and email, but unfortunately, we have not had the opportunity to speak with her.  We will be happy to assist her further when she returns our call.  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 Team NetSpend 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 # [redacted] filed with your office by [redacted] concerning a disputed ATM
transaction that did not dispense funds.  He’s requesting to be reimbursed for the disputed transaction.  On
December 4, 2015, Mr. [redacted] called our customer...

service to advise them of an
ATM transaction that did not dispense the $300 that he requested previously. Our
customer service created a disputes claim for a different transaction Mr.
[redacted] completed inside the bank after the first ATM malfuction.  Our Disputes Department will provide an
update within ten business days from the start of a claim, December 18th. We spoke
with Mr. [redacted] on December 17th concerning the ATM disputes
claim.  We apologized for the incorrect
transaction being disputed.  Appropriate
actions are being taken with the agent who initiated the claim.  We disputed the correct transaction and sent
notice to the Disputes Department of the error on the first claim.  He will receive an update on December 18th.  NetSpend
understands that the disputes process is lengthy, and we appreciate Mr.
[redacted]’s patience as we attempt 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

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the problems he has experienced with his dispute.  On March 9, 2016, Mr. [redacted] opened a dispute claim for transactions made on his card that he did not authorize. On March 16th, our...

Disputes Team reviewed his claim and closed it with no credit being issued. Our Disputes Team also closed his account due to risk factors. On March 17th, our Disputes Team further reviewed Mr. [redacted]’s claim and concluded the investigation, crediting Mr. Williams’ account and reopening his account. On March 16th and 17th, I spoke with Mr. [redacted] to address his concerns.NetSpend regrets the inconvenience that Mr. [redacted] experienced while waiting for a resolution to his claim. 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 pending transaction on his account.   On October 20, 2016, we received an authorization request from a merchant, Access Secure Deposit in the amount of $307.95 on Mr. [redacted]...

account. On October 24, Mr. [redacted] contacted us and reported the transaction attempt was declined. 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 from our Corporate Response Team, was able to release the pending transactions back into Mr. [redacted] available balance on October 27, and informed him that the release was not a stop payment or cancellation of the transaction.   We have provided Mr. [redacted] with our contact information should he need any further assistance.    Thank you,   [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Wednesday, July 6, 2015To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the overdraft fees associated with her account. On July 2, 2016, a transaction from Google caused an overdraft fee on Ms. [redacted]s account.  If a...

cardholder fails to bring their Card Account back to a zero or positive balance within 24 hours from the time of the first transaction causing an overdrawn balance greater than $10.00, the cardholder will incur an Overdraft Protection Service Fee for each transaction approved after their Card Account balance was greater than $10.00 overdrawn.In response to her communication, we spoke with Ms. [redacted] on July 6, 2016.  We explained the overdraft fees charged to her account are in accordance with the Optional Overdraft Protection agreement terms.  We also advised Ms. [redacted] of the maximum overdraft limit.  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: first November 17 my account was never blocked... on November 17 
Regards,there was charges on my account not done by me...per your policy the transactions need to not be in pending status to do anything first. Your csr told me to contact merchant...merchant agreed said there was error and was to credit my account from 11/17/16 back 120 days... There was never any new charges on 12/14/16 they are the same charges that never got fixed. Merchant refunded wrong charges..He did google king play... not google machine play. Machine play is what should be credited back since 11/16/16. On 12/14 your csr put me in dispute instead of giving google the paperwork they needed to refund. Your policy states I can rectify with merchant. 2 of your cars told me this as well only vin on 12/14 said dispute...wouldn't answer why.said I had too. Blocked my card...still never got one from your company. Contacted repeatedly about how this wasn't supposed to be a dispute. You called me 1 time. I returned your call 2 times and sent 3 emails 2 to you and 1 to roche in response. ... still no reply. You still haven't contacted google for your "investigation" but I have. They just need the transactions on machine play to pay... As of 12/24/16. Fix the dispute your csr put me in contact google with transactions so I can have my money back.
[redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Ms. [redacted] states that she has not received the money for her disputed items. She was an apology and the money back that she is owed. On May 28, 2015, we spoke with Ms. [redacted] concerning her two...

disputes claims. On both claims the merchants issued credits back to her card. We gave her the dates the credits posted to the account. She is sending a receipt to NetSpend that will show the merchant only gave a partial credit for the items she returned. We will review the document when received. NetSpend regrets the inconvenience that Ms. [redacted] experienced while disputing transactions with merchants. 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

We received complaint # [redacted] filed with your office by [redacted] concerning a check she has not received.   On September 30, 2016, our Risk Management Team closed Ms. [redacted] account due to risk factors that were identified with her account activity. These risk factors are not shared with...

consumers for security reasons and Ms. [redacted] is no longer eligible for products managed by NetSpend. On October 11, we mailed Ms. [redacted] a check for her remaining funds to the address on file. Our agent informed Ms. [redacted] the check should arrive 7-10 business days.  Ms. [redacted] contacted us on October 13 and again on October 25, because she had not received her check. We informed Ms. [redacted] that it is our policy to wait 15 business days before placing a stop payment on a check and reissuing another check.   On November 30, we placed a stop payment on Ms. [redacted] check and mailed another check to her address on file on December 6. A member of our Corporate Response Team spoke with Ms. [redacted] on December 14, regarding her missing refund check. We confirmed a new check has been mailed to her address on file on December 06. Ms. [redacted] stated that she was misiformed about the check that was mailed out on December 06, and she was informed that it had been mailed out prior to this date.  We apologize for the misinformation Ms.[redacted] received from our Customer Service Department regarding her check. We have reported this incident to the management staff of the customer service agents she spoke so proper coaching can be provided.   Ms. [redacted] should receive this check within 10 business days.  If Ms. [redacted] does not receive the second check by the 15th business days, she will contact us back.  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]
TheThe the notice that I received did not show all of my complaints there was many transactions and none of them work given permission to have been done I was incarcerated and somebody took my card with all of my information in the wallet as well and was able to make 10 transactions because I have to have my PIN numbers all together or I will forget them so they were all in my wallet when I was arrested my wallet was not in my belongings therefore I was not able to give permission or have my things and somebody ended up taking them I explained this already that's been just does not want to take responsibility and rectify the situation they are letting in the legal action take present over their customer service and their customer accounts they ensure that they will take care of their customers and they ensure that they will protect their customers and their money they have failed to do so I reject this and I do believe that they are misinformed and need to have a second third or fourth opinion that is unbiased to the situation look at everything.
I am rejecting this response because:
Regards,
[redacted]