Realcor Developments Ltd.

Friday, November 17, 2017 To Whom It May Concern: Thank you for forwarding Ms. [redacted]’ additional comments on complaint # [redacted] to us. As you requested, we addressed this matter directly with Ms. [redacted] on November 17, 2017 by way of telephone. We informed her that our claim decision remains the same. Our review determined that Ms. [redacted]’ claim was handled correctly. 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

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.  I am very grateful that Netspend will not be proceeding in collection from my old account that was opened 9 1/2 years ago and my mother's account now or in the future so I can continue my business with Netspend on a positive level going forward.
Regards,
[redacted]

To Whom
It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the inconvenience that
she experienced with our customer service when her funds were moved to another
cardholder’s account. She’s requesting a refund for her funds that were
transferred in...

error.  On
November 24, 2015, Ms. [redacted] called our Customer Service to report her card
as lost and to transfer funds to a new card she purchased.  We blocked the lost card to safeguard her
funds.  Consequently, our Risk Management
Team blocks the transfer feature on newly activated cards and reviews the
requests to move funds to a new account as a security measure.  Ms. [redacted] later called to transfer her
remaining funds to a new NetSpend card on November 30th.   The
representative she spoke with moved the funds to an incorrect account.  When Ms. [redacted] called back later that day,
we disputed the errant transfer of funds.  Customer Service informed her that an update would be provided on the
tenth business day, December 10th..A member
of the Corporate Customer Response Team spoke with Ms. [redacted] on December 2nd concerning the disputed transfers.  Later
that day, the funds that were transferred in error were replaced.  .  Ms.
[redacted] received the rushed card order and was able to access her funds on
December 3rd.  NetSpend regrets
the inconvenience Ms. [redacted] experienced with customer service.  The call recordings between Ms. [redacted] and
our Customer Service are being reviewed so that appropriate action can be
taken.  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]. Ms. [redacted] states that she and her son received benefit checks to a NetSpend card. When he died, the account funds were frozen and she had no access to the money. She wants her funds mailed to her or...

returned to the Social Security Administration. On June 23, 2015, we spoke with Ms. [redacted]. We were sorry to learn of her son’s passing. We explained that the Social Security Administration (SSA) sent us a Death Notification on June 3rd informing us of the demise of her son. This type notification blocks the account funds for 120 days or until the SSA notifies us of their intent. If the SSA deposited funds after the death of the beneficiary, they may ask for those funds to be returned to them. We are pending the remaining funds on Ms. [redacted]’s account until we hear from the SSA. NetSpend regrets the inconvenience that Ms. [redacted] experienced as a result of the death of her son. 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] concerning the inconvenience she experienced with adding an additional cardholder to her account.  She requests to add her partner to her account in order to accept his deposit.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.  Mr. [redacted] was added as a secondary cardholder on February 17, 2016. Additional information was needed to approve him as an authorized cardholder, and our Customer Service Department requested Mr. [redacted] to send in identity documents. Mr. [redacted] sent us documents that we were unable to approve which caused his direct deposit to be returned back to the sender. On February 19th, after further review by our Documents Team, we were able to verify Mr. [redacted]’s information.On February 19th, I spoke with Ms. [redacted] and Mr. [redacted] to address their full concerns. I also confirmed they can request to have Mr. [redacted]’s direct deposit resent to their Netspend account for approval.NetSpend regrets the inconvenience that Ms. [redacted] experienced while attempting to add Mr. [redacted] to 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], concerning the dispute claim she opened on her NetSpend Turbo Tax card without having a replacement ordered. She’s requesting a credit for the disputed items. On September 29, 2015, Ms. [redacted]...

called us to report that her card had been compromised and that thirty-seven unauthorized transactions had been charged to her card between September 13th and 28th. We blocked her card to prevent further unauthorized use, but the replacement card was not ordered until October 6th, when she called about her payroll deposit. The next day her account funds were transferred to her brother’s NetSpend card. Her disputes claim will receive an update on October 14th. When Ms. [redacted] called us back on October 13th, we discussed the resolution to her concerns. We apologized for the delay in her replacement card, but she informed us that she has received it. Appropriate disciplinary action has been taken with our representative who initiated her disputes claim. We will update Ms. [redacted] on the status of her disputes claim when more information is available. We understand how frustrating it can be to experience unauthorized charges. We have provided Ms. [redacted] 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 a restriction on her account.   During routine monitoring, we placed a temporary restriction on Ms. [redacted] account on September 29, 2016 because we detected suspicious...

activity.  In order to remove the restriction, we asked Ms. [redacted] to provide us with documents to verify her identification. As of the date of this letter, we have not received the required documents to remove the restriction from her account. On October 3, our Risk Management Team closed Ms. [redacted] account because we identified risk factors associated with her account activity. For security reasons, these risk factors are not shared with consumers . Ms. [redacted] is no longer eligible for products managed by NetSpend.   In response to her communication, we attempted to contact Ms. [redacted], but we have not had the opportunity to speak with her.  A check for the remaining account balance will be mailed to Ms. [redacted] at the address on file. She should receive this check within ten business days.   We 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

To Whom
It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a block that took
place on her new card that was caused by a previous negative balance.  She’s requesting for the block to be removed
so that she can access her account.  On...

October 12, 2015, Ms. [redacted]
attempted to activate her prepaid debit card, but our system recognized that
her information was associated with a previous account that had a negative
balance. Our system automatically blocked her new account as a result.  She informed us that she was willing to pay
the outstanding amount. Ms. [redacted]’ deposit posted to her new account on
October 16th, and the outstanding negative balance was
recovered.  The block was removed from
her new account, and Ms. [redacted] was able to fully activate her card.  NetSpend
regrets the inconvenience that Ms. [redacted] experienced while activating her new
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] concerning the disputes claim
that she opened for unauthorized transactions that were made on her
account.  She’s requesting to be refunded
for the unauthorized transactions. On September 7,...

2015, Ms. [redacted]
reported 57 unauthorized transactions that occurred between August 15th and September 7th.  We
informed her that an update would be provided within ten business days from the
claim initiation date, September 21st.  On the tenth business day, our Disputes
Department closed the claim with no error found on the transactions disputed,
and no funds were reimbursed to the account.  We spoke with Ms. [redacted] on October 19th to address her
concerns.  We will mail her a copy of her
disputes closure letter, in addition to the supporting documents that assisted
us with our claim decision.   NetSpend
regrets any inconvenience that Ms. [redacted] experienced as a result of the disputes
claim decision. 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

Tuesday, October 24, 2017 To Whom It May Concern: Thank you for forwarding Ms. [redacted]’ complaint [redacted] to us. We are sorry to hear that Ms. [redacted] had a bad experience with our Customer Service Department. We have reported this incident to the management staff of the customer service...

agents she spoke with to ensure that they receive appropriate coaching on our policies and procedures. As you requested, we addressed this matter directly with Ms. [redacted] on October 24, 2017 by way of telephone. We informed Ms. [redacted] by email of 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 Specialist 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.  Although I still haven't gotten my questions answered. 
Regards,
[redacted]

To Whom It May Concern: Thank you for forwarding Mr. [redacted]’ complaint to us. As you requested, we addressed this matter directly with Mr. [redacted] on January 29, 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   Tell us why here...

Complaint: [redacted]
I am rejecting this response because: As the response explains from Netspend, their 45-day investigation resulted in no credit being issued. They received bogus and fraudulent information from a company that does not exist. In recourse to their initial findings, I mailed them indisputable proof that the information from the vendor was falsely produced. I did not and will not respond to the calls they recently made to me (from this claim) because I've been advised by a third party to avoid any further direct communication with them.   
Regards,
[redacted]

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning the inconvenience she experienced with her dispute and the closure of her account. On January 30, 2016, Ms. [redacted] disputed four unauthorized PIN based transactions that occurred on her...

NetSpend card. Our Customer Service informed her that an update would be provided within ten business days, February 12th. She disputed an additional ATM transaction on February 1st through her online account.  Both claims were closed as no error found and no credit was issued to the account.  A disputes closure letter was mailed to Ms. [redacted] after the closing of each claim.  Our Risk Management Team regularly monitors account activity in order to provide a safe and secure product for all of our cardholders. Our Risk Management Team identified risk factors that led to the blocking of Ms. [redacted]’s account on February 10th.  She is no longer eligible for NetSpend services as a result. The factors that lead to the account closure are kept internal for security reasons. A check for the remaining funds on the account will be mailed to her address, and Ms. [redacted] will receive it within ten business days from the date, March 10th.  We reached out to Ms. [redacted] on March 10th, but unfortunately, we have not had the opportunity to speak with her. We will address her concerns when she returns our call. NetSpend regrets the inconvenience that Ms. [redacted] experienced as a result of the closing of her account. 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 complaint # [redacted] filed with your office by [redacted] concerning his Netspend account.  I attempted to contact Mr. [redacted] by phone and email on March 8th and 9th, 2016, to address all of his concerns, but have been unable to speak with him. Mr. [redacted]...

responded via email on March 9th advising he had been assisted by our Customer Service Department and has not contacted me further. Should Mr. [redacted] contact me for further assistance, I will review his account with him. NetSpend regrets the inconvenience that Mr. [redacted] experienced while waiting to receive his card. 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: Thank you for forwarding Ms. [redacted] complaint to us. As you requested, we addressed this matter directly with Ms. [redacted] on August 31, 2017 by way of telephone. 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

Tuesday, February 20, 2018 To Whom It May Concern: Thank you for forwarding Ms. [redacted] complaint [redacted] to us. We attempted to reach Ms. [redacted] by telephone on February 15, 16, and 19, 2018, but unfortunately, we were unable to speak with her. We corresponded via email to inform Ms. [redacted]...

that the Account Now card she has is not a Netspend product. She will contact the correct manager of her card by using the telephone number on the back of her Account Now Card. Thank you for bringing this matter to our attention and giving us the opportunity to direct Ms. [redacted] to the correct company to address her concern. 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 the inconvenience she and her grandson experienced with activating a NetSpend card because he is a minor.  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 along with the statement that this is not a gift card.  On March 28, 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 assist with her concerns when she returns our call.  The card that was purchased on February 21st could not be activated with the cardholder information provided.  The account was closed and the remaining funds were mailed to Ms. [redacted] on February 24th, minus the $5.95 check processing fee as described in the card terms.  As a courtesy, we refunded the check processing fee and the card purchase fee.  A second check will be mailed to Ms. [redacted] and she will receive it within ten business days from the date March 29th.  NetSpend regrets the inconvenience that Ms. [redacted] experienced while attempting to activate the card purchased by her grandson.  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

Complaint: [redacted]
I am rejecting this response because:its a lie this company needs to be shut down I am not the only one they have done this to I have more pictures to attach
Regards,
[redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Mr. [redacted] states that he wants to know how a prepaid card can get a negative balance. He wants his membership with NetSpend to be reinstated. On May 28, 2015, Mr. [redacted] attempted to activate a new...

NetSpend card. Our system automatically blocked the card due to a previous account left with a negative balance of $550.00. We emailed the details to Mr. [redacted] concerning the previous account. We also explained this to him by telephone on June 16th. The funds on Mr. [redacted]’s new card are being sent to him in a check. He is no longer eligible for NetSpend services. We regret that Mr. [redacted] chose not to reconcile the negative balance on his previous account. He has my contact information should he have any additional questions or concerns about the previous account balance. Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company