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] 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 6, 2016, a systemic block was placed on Ms. [redacted] account after Refund IE credited her card $700.00. 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. The merchant can also reverse the credit and issue the funds to Ms. [redacted] by another method of reimbursement.  A third option would be for the merchant to send a Letter of Indemnity to NetSpend so that the funds can be returned to the originator. The originator would then apply the credit by other means. The merchant credited Ms. [redacted] account again in the amount of $1780.00 on February 11th.  On February 18, 2016, we reached out to Ms. [redacted] by telephone and email.  We have not had the opportunity to speak with her, but will assist with her concerns when she returns our call. 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

Friday, December 18, 2015To Whom It
May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a direct deposit that
was posted to an older account she established with NetSpend.  She’s requesting a refund for the amount she
was charged on her previous...

account.  On November
6, 2015, a $200.00 deposit posted to Ms. [redacted]’ account she’s had since
2008.  She called us on December 10th to close the previous account and move the funds to her new account.  The balance at the time of her call was
$194.00.  [redacted] attempted to
collect from Ms. [redacted]’ account six times in 2014 resulting in a $1 ACH
(Automated Clearing House) decline fee each time.  The customer service agent transferred her
funds to her new account and charged a $4.95 fee for the agent assisted
transfer.  We reached
out to Ms. [redacted] by telephone and email on December 17th.  We have not had the opportunity to speak with
her, but will assist with her concerns when she returns our call.  We have refunded the associated fees and we regret
the inconvenience Ms. [redacted] experienced as a result of the deposit posting to
the wrong 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

Complaint: [redacted]
I am rejecting this response because: Your company still has done absolutely nothing to help resolve these charges! After I rejected there 1st response to my complaint.. They basically copied and pasted the same thing back to me again. Still have not received anything in the mail regards to why my account was even cancelled. I actually did my own investigating as to one of the fraudulent charges.. I called one of the stores my card was used at.. They have video of the person using it and an actual name. I told Netspend that but they say they can't due anything about it because they already closed my account. Sounds like you company dosen't have much of a fraud investigation team? Also seems like you could care less. This company's actions are unbelievable.
Regards,
[redacted]

To Whom It May Concern:We received a rebuttal complaint # [redacted] filed with your office by [redacted]. Ms. [redacted] states that her returned deposit has not been received by her employer. She wants her money. As we stated in our last response, the direct deposit for Ms. [redacted] was returned to the sender on April 11, 2015. When an Automated Clearing House (ACH) deposit is sent, it has a corresponding trace number. We provided the outgoing trace number to Ms. [redacted]. She can use this with her employer or payroll processor to track down the returned funds. NetSpend regrets the inconvenience that Ms. [redacted] is experiencing with locating her returned funds. She has been given 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 ATM fees associated with her Skylight Prepaid Visa. The Skylight Prepaid packaging that the card comes with has important information that notifies the consumer of basic fees that...

are associated with the card, including ATM fees. Ms. [redacted] mentioned certain ATM’s in her local area that include US BANK, are listed that she should be able to withdraw without being charged a fee from the ATM merchant.  A member of our Corporate Response Team has attempted to reach out to Ms. [redacted] on August 8, by phone and email to discuss the fees, unfortunately, we have not been unable to speak with her. As a courtesy, we have refunded recent ATM associated fees. Once Ms. [redacted] contacts us, we will be glad to review the other fees associated with her card. We have provided him Ms. [redacted] with our contact information should she have any additional questions or concerns.  Thank you,[redacted]Corporate Customer Response TeamNetSpend A TSYS Company

Tuesday, March 6, 2018To Whom It May Concern: Thank you for forwarding Mr. [redacted] complaint [redacted] to us. We are required by the USA PATRIOT Act to obtain, verify, and record information that identifies each person who opens a card account with us.  When our cardholders...

open a card account or add a secondary cardholder, we ask for their name, physical street address, date of birth, and other information that will allow us to reasonably identify them. The requirement to obtain this information is displayed on the card packaging prior to purchase.  We attempted to reach Mr. [redacted] by telephone on February 28, March 2, 5, and 6, 2018, but unfortunately, we were unable to speak with him regarding the cards for his daughter, wife, and mother-in-law.  We emailed Mr. [redacted] for more information so we can resolve his concerns.  Thank you for bringing this matter to our attention.Thank you,[redacted]
[redacted] 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 June 13, 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

Thursday, May 19, 2016 To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning a payout he did not receive. Upon receipt of his complaint, we spoke to Mr. [redacted] on May 16 to discuss the funds he’s expecting to receive from [redacted]. We...

requested a copy of the receipt confirming the funds were supposed to post to his Netspend account. On May 18, Mr. [redacted] advised that his payment was sent to a different account. 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

Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]Due to the documents that was sent to me indicates based on the data from the calls shows my account has been compromised as I had advised all the Representatives my passwords has been changed without my authorization. The email address that the account was changed to is a email that shows it is out of the country. I feel that this is an internal issue. Where someone has been able to obtain the card information as well as my personal information. I don't know your fraud process but based on my review o the documents sent, clearly show this is an account takeover. I'm really tired of the incompetence of your company. And I will make sure that I get this out to the consumers so no one else has to go through this stress I will be going to the media. To have my voice heard and so others will be reluctant to ever use Netspend.

Complaint: [redacted]
I am rejecting this response because: How am I responsible for transactions that happened without my knowledge. Also when some were made while I was at work. I am feeling very frustrated that someone can just steal all my money and get away with it. As stated before I did not have the pin number written down in my wallet as a pin number. It was written on a list of family birthday's. This specific number is my younger brothers birthday. The list had over 18 sets of dates on it, so the person got lucky and found the right number to go with the card. I still can not understand how I am responsible for something I did not do. I have tried to understand the decision of this company but their reasonings for denying my claim are ridiculous. I had never been to several retailers in which my card was used at, but because there were a few retailers that overlapped, they claim it had to be me. I do not even own a car, so if you look at where the transactions took place and where I live you would be able to see that I am a good 10 to 15 miles away from the retailers. I also apparently used my card at a gas station to get gas. Why would I need gas if I do not own a car. I do not accept there explanation for denying my claim because it is really bogus. I have talked to other people since this has happened and they have told me they got the same line of crap for refusing the claim. I did what I was supposed to do as far as reporting it and according to the card agreement I was given it says that I should not be held responsible for these transactions. How can this happen to someone when they do everything they are supposed to do according to the card agreement that was sent to them when they got the card. I believe they need to do better investigations into the complaints that are being made by consumers. I can get a letter from my boss testifying to the fact that I was at work at the time of some of the transactions. I can also get several people to testify to the fact that I do not own a car and the buses around me stop running at like 7 p.m. and the train gets me nowhere near these retailers. I need to know what you want from me so I can get my money refunded to me. I am trying to be reasonable with this company but they do not seem to care about anything that I say. I would really like it if someone would do this investigation properly because I did not benefit from these transactions as the company is claiming. Instead I got screwed and almost lost my apartment but my landlord at least was reasonable. The only problem is I am on a limited income and I have to try and make up the rent money that was stolen from me. I really just want my money refunded to me, because like I said I can get people to write written statements of the fact that I was at work and I do not own a car. I have not owned a car for almost 7 years now. I can not afford to buy a car with the income I am on. I can even get a letter from my landlord testifying to the fact that he did not get his rent money. I also can get a letter from my friend explaining how I had to borrow money just so I could have food on the table. So I did not benefit from this transaction as the company is claiming instead I was screwed over royally by this company and the person who stole my card. I will also send a list of the birthdays if that helps any. I really do not want to have to hire a lawyer just to get my money back because it will not benefit the company at all. I am also willing to go to the local news stations and show them how this company screws people over when their money gets stolen. I know that here in Illinois that CBS, ABC, and NBC would be more than willing to investigate this company and its corrupt business practices. So again tell me what you need me to give you, so as I can get my money returned to me, without having to involve the media or lawyers. As I know that this company does not want any bad publicity. 
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:
He Mr [redacted]..seemed to reaching for an explanation he said  with a simular name to mine called said he was getting  messages or somethingsaying it was fraud it made no sense at all.  Anyway I was told if I sent the documents required my account would be activated I borrowed the money sent them waited the seven hours to find out they were still not going to activate my card.   I guess that's about all I can add I did get the check today Feb 26 I do not think anyone at net spend tried to resolve this to my best interest     thank you  [redacted]
RegarSimone ds,
[redacted]

Complaint: [redacted]
I am rejecting this response because:my complaint about my card being stolen has not been resolved there is almost $400 in charges on my card that I need access to, I even sent in the police report number but still do not have the money back on my card, my mother is disabled and our car was also stolen not just my NetSpend card, my mother's Walker was in the car we desperately need the money that was stolen from my car to be reimbursed asap! We cannot wait 2 weeks or even one week! [redacted] 
Regards,
[redacted]

To Whom It May Concern:We received complaint #[redacted] filed with your office by [redacted] concerning double charges that occurred on her account. She’s requesting to be reimbursed for the double charge. I spoke with Ms. [redacted] on January 13, 2016 to address the double charges made from Apple...

ITunes for $2.99 and $1.99, that occurred on January 11th and 12th. Ms. [redacted] understands why she received overdraft fees for the Apple ITunes transactions, and I advised her that she can dispute these transactions if needed. The card that was used for the ITunes transactions has been blocked, and a complimentary replacement card was sent to Ms. [redacted]’s address on file. NetSpend regrets the inconvenience that Ms. [redacted] experienced as a result of the Apple ITunes transactions. She has been given 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 Christine [redacted] concerning a charge on her card. On June 23, 2016, Ms. [redacted] received a text message alert that her card was used for a transaction with Western Union for $364.00. She contacted Western Union and...

informed them that it was a fraudulent transaction because she had her card in her possession and she was not attempting to send money. Ms. [redacted] contacted us about the pending transaction with Western Union later that day. We requested documents to confirm that Western Union voided the transaction. On June 26, her compromised card was blocked and a replacement was ordered. We reached out to Ms. [redacted] on June 28, but unfortunately, we have not had the opportunity to speak with her. Through email, we informed her that the documentation from Western Union confirming the transaction will not be collected has not been received. We released the pending transaction with Western Union and we also informed Ms. [redacted] that our release is not a void or a cancellation of the original charge. If Western Union collects the funds at a later date, Ms. [redacted] can open a dispute claim against the merchant. We also expedited a card that she will receive within 1- 2 business days at no cost to her. We apologize for the service that Ms. [redacted] experienced with our Customer Service Department. We have reported this incident to the management staff of the customer service agent 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

Friday, January 26, 2018To Whom It May Concern: Thank you for forwarding Mr. [redacted]’s complaint to us. NetSpend relies on affiliate marketing services as a source for reaching potential new customers and card offer recipients’ information is acquired through these business...

relationships. A consumer’s name and address is provided to the affiliate marketing service when the consumer opts in to receive offers and marketing materials from the third party, as well as any third party with whom they may share the information. Because NetSpend feels strongly about customer privacy, we only contract with marketing affiliates that have collected the information from willing consumers 18 years of age and older and have received permission to share it with us.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 offer can only be used by the intended recipient. If the recipient cannot be verified, then the offer cannot be activated.In response to this communication, we permanently blocked the card offer on January 26, 2018. We have also removed Mr. [redacted]’s name and address from our mailing list and he should not receive any future offers from any NetSpend managed programs.  Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern. Thank you, [redacted]Netspend, a TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted]. Ms. [redacted] states that she disputed an unauthorized charge on her card, but no credit was issued for the claim. She wants her money credited to her card. On April 30, 2015, Ms. [redacted] disputed a...

charge as unauthorized through the NetSpend website. The disputed charge occurred on January 30th. We informed Ms. [redacted] that an update on her claim would be given in ten business days, May 14th. On the tenth business day we closed the disputes claim with no error found in our investigation of the charge. We sent her a letter explaining the reason of her dispute closure. NetSpend regrets the inconvenience that Ms. [redacted] experienced with the disputes decision not being in her favor. 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]. Ms. [redacted] states that she disputed transactions on her account and the agent told her she would get the money back in 3 days and her replacement card in 7 days. She wants the full amount refunded...

because she has bills. On June 14, 2015, Ms. [redacted] called to report unauthorized charges on her NetSpend card. We blocked the compromised card to prevent any further misuse. We ordered her a replacement card. The transactions were still pending so we informed her that we could dispute the charges if the merchant collected the funds. The merchants collected the next day and Ms. [redacted] disputed the transactions on June 17th. We told her that an update will be provided on the claim in ten business days, July 1st. The provisional credit decision will be made on that day. The final date of the disputes claim can be 45 – 60 days for domestic transactions. NetSpend understands the disputes process is lengthy. We appreciate Ms. [redacted]’s patience as we attempt to retrieve her funds. 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

Complaint: [redacted]
I am rejecting this response because:They are requiring that I scan my license to them, I don't trust that they will protect my information.  I don't feel safe.  On the outside packet of the debit card it says we will ask you for the information, not scan us your drivers license  and social security card.  The things that they are now requesting is not clearly stated on the outside of the package where the consumer can see.  I have provided them with name, address and social security number the location the card was purchased and I am just getting the run around.  I asked for a check to be mailed to [redacted] and they sending it to another address, everything is just a constant hassle.This is unacceptable.  Tell the consumer this up front, so they can save themselves the hassle and inconvenience.   The representative  keep saying they are in compliance, if you are not telling the consumer this information in detail up front then no you are not in compliance.You are keeping my $70 then no you are not in compliance.  I didn't give it as a donation, I gave it to pay my bill, for my use.
Regards,
[redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claim. On April 2, 2016, Ms. [redacted] contacted us to dispute an unauthorized transaction that posted to her account. We immediately blocked her card to prevent further unauthorized...

use. We opened a dispute claim and began our investigation. We also informed Ms. [redacted] of the investigation timeframes afforded to financial institutions, under Regulation E. We contacted Ms. [redacted] on April 20 and informed her that a provisional credit was issued for her ongoing disputes claim. Her claim will finalize on May 17, and no further action will be required since she has received a credit for the disputed transaction. We apologize for the poor service and misinformation that Ms. [redacted] experienced with our Customer Service and Disputes Departments. We have reported these incidents to the management staff of each department. Ms. [redacted] has our contact information should she have any additional questions or concerns. Thank you,[redacted] 
[redacted]NetSpend A TSYS Company